Fiat 500X Insurance Rates

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UPDATED: Apr 7, 2024

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The average insurance rates for a Fiat 500X are $1,302 a year with full coverage. Comprehensive insurance costs on average $208, collision insurance costs $400, and liability coverage is $514. A liability-only policy costs around $572 a year, and high-risk insurance costs $2,834 or more. Teen drivers cost the most to insure at up to $5,158 a year.

Average premium for full coverage: $1,302

Policy rates by type of insurance:

Comprehensive $208
Collision $400
Liability $514

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all 500X models.

Price Range Variability

For the average driver, Fiat 500X insurance rates range from as low as $572 for your basic liability-only policy to the much higher price of $2,834 for a driver who requires high-risk insurance.

Liability Only $572
Full Coverage $1,302
High Risk $2,834

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas. The example below illustrates how location impacts car insurance rates.

Rural Areas $977
Small Cities $1,367
Large Cities $1,758

The examples above demonstrate why everyone should compare rates quotes based on a specific location and risk profile, rather than using price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

The chart below details average Fiat 500X insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $763
  • Raising to $1,000 deductibles will save around $138 annually
  • The average rate for a good driver age 40 with $500 deductibles is $1,302
  • Choosing pricier low deductibles will cost an extra $270 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,834
  • Policy cost for full coverage for a teenage driver for full coverage may cost $5,158

View Chart as Image

Fiat 500X insurance cost comparison chart
Column chart showing Fiat 500X insurance prices range from $763 to $5,158 for full coverage

Car insurance rates for a Fiat 500X also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $5,100 a year. View Rates by Age

Your home state also has a big influence on Fiat 500X insurance rates. A middle-age driver might find rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,760 on average in Florida, Michigan, and New York.

Fiat 500X Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,178 -$124 -9.5%
Alaska $998 -$304 -23.3%
Arizona $1,084 -$218 -16.7%
Arkansas $1,302 -$0 0.0%
California $1,484 $182 14.0%
Colorado $1,244 -$58 -4.5%
Connecticut $1,336 $34 2.6%
Delaware $1,474 $172 13.2%
Florida $1,630 $328 25.2%
Georgia $1,204 -$98 -7.5%
Hawaii $936 -$366 -28.1%
Idaho $882 -$420 -32.3%
Illinois $970 -$332 -25.5%
Indiana $984 -$318 -24.4%
Iowa $878 -$424 -32.6%
Kansas $1,236 -$66 -5.1%
Kentucky $1,776 $474 36.4%
Louisiana $1,930 $628 48.2%
Maine $804 -$498 -38.2%
Maryland $1,074 -$228 -17.5%
Massachusetts $1,040 -$262 -20.1%
Michigan $2,260 $958 73.6%
Minnesota $1,088 -$214 -16.4%
Mississippi $1,560 $258 19.8%
Missouri $1,154 -$148 -11.4%
Montana $1,400 $98 7.5%
Nebraska $1,026 -$276 -21.2%
Nevada $1,564 $262 20.1%
New Hampshire $938 -$364 -28.0%
New Jersey $1,458 $156 12.0%
New Mexico $1,152 -$150 -11.5%
New York $1,372 $70 5.4%
North Carolina $750 -$552 -42.4%
North Dakota $1,068 -$234 -18.0%
Ohio $900 -$402 -30.9%
Oklahoma $1,336 $34 2.6%
Oregon $1,194 -$108 -8.3%
Pennsylvania $1,242 -$60 -4.6%
Rhode Island $1,738 $436 33.5%
South Carolina $1,182 -$120 -9.2%
South Dakota $1,100 -$202 -15.5%
Tennessee $1,138 -$164 -12.6%
Texas $1,570 $268 20.6%
Utah $962 -$340 -26.1%
Vermont $892 -$410 -31.5%
Virginia $780 -$522 -40.1%
Washington $1,006 -$296 -22.7%
West Virginia $1,194 -$108 -8.3%
Wisconsin $900 -$402 -30.9%
Wyoming $1,160 -$142 -10.9%

View Chart as Image

Fiat 500X insurance rates by U.S. city

Choosing high deductibles can reduce rates by up to $410 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $462 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. Fiat 500X insurance for high-risk drivers is expensive and can cost around 43% to 136% more than average. View High Risk Driver Rates

Fiat 500X Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Fiat 500X $256 $506 $450 $1,392
2022 Fiat 500X $248 $494 $470 $1,392
2021 Fiat 500X $240 $474 $486 $1,380
2020 Fiat 500X $226 $458 $500 $1,364
2019 Fiat 500X $218 $424 $510 $1,332
2018 Fiat 500X $208 $400 $514 $1,302
2017 Fiat 500X $200 $358 $520 $1,258
2016 Fiat 500X $188 $330 $520 $1,218

Rates are averaged for all Fiat 500X models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Cheap Fiat 500X Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having above-average credit, not filing small claims, and possibly raising deductibles. Spend time shopping around at every other renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a quick review of the concepts that were touched on above.

  • Drivers with a DUI or reckless driving violation may be required to pay an average of $1,530 more each year than a safer driver
  • Drivers age 16 to 20 are expensive to insure, as much as $430 each month if full coverage is included
  • You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save around $400 each year
  • You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Fiat 500X Insurance Rates by Driver Age
Driver Age Premium
16 $5,158
20 $3,028
30 $1,338
40 $1,302
50 $1,196
60 $1,174

Full coverage, $500 deductibles

Rates by Deductible

Fiat 500X Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,572
$250 $1,446
$500 $1,302
$1,000 $1,164

Full coverage, driver age 40

Rates by Liability Limit

Fiat 500X Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,302
50/100 $1,405
100/300 $1,533
250/500 $1,867
100 CSL $1,456
300 CSL $1,739
500 CSL $1,945

Full coverage, driver age 40

Rates for High Risk Drivers

Fiat 500X Insurance Rates for High Risk Drivers
Age Premium
16 $7,310
20 $4,834
30 $2,872
40 $2,834
50 $2,710
60 $2,686

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $183

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $67
Multi-vehicle $71
Homeowner $22
5-yr Accident Free $89
5-yr Claim Free $84
Paid in Full/EFT $54
Advance Quote $62
Online Quote $90
Total Discounts $539
Rate after discounts $763

Discounts are estimated and may not be available from every company or in every state.

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