Fiat 500X Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 7, 2024
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Estimated insurance prices for a Fiat 500X are $1,258 every 12 months with full coverage. Comprehensive insurance costs around $200 a year, collision costs $358, and liability insurance is estimated at $520. Liability-only coverage costs approximately $576 a year, with high-risk coverage costing $2,730 or more. Teenage drivers pay the most at $5,006 a year or more.
Average premium for full coverage: $1,258
Premium estimates for type of coverage:
Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and 500X trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Fiat 500X go from the cheapest price of $576 for just the minimum liability insurance to a high of $2,730 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than densely populated cities.
The diagram below illustrates how rural and urban location affects auto insurance rates.
These rate differences demonstrate why it is important to get quotes for a specific zip code and their own driving history, rather than relying on average rates.
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.
Additional Rate Analysis
The chart below details estimated Fiat 500X insurance rates for additional coverage choices and driver risks.
- The best discount rate is $744
- Choosing higher $1,000 deductibles can save about $1,132 annually
- The average price for a 40-year-old good driver using $500 deductibles is $1,258
- Using low $100 deductibles for comp and collision coverage costs an extra $246 a year
- High-risk insureds who are prone to accidents and violations could pay at least $2,730 or more
- An auto insurance policy to insure a teen driver can be $5,006 each year
Insurance prices for a Fiat 500X also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.
Using high physical damage deductibles can save as much as $380 each year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $5,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Fiat 500X insurance rates. A good driver about age 40 could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,700 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,136 | -$122 | -9.7% |
| Alaska | $964 | -$294 | -23.4% |
| Arizona | $1,046 | -$212 | -16.9% |
| Arkansas | $1,258 | -$0 | 0.0% |
| California | $1,432 | $174 | 13.8% |
| Colorado | $1,200 | -$58 | -4.6% |
| Connecticut | $1,292 | $34 | 2.7% |
| Delaware | $1,424 | $166 | 13.2% |
| Florida | $1,574 | $316 | 25.1% |
| Georgia | $1,162 | -$96 | -7.6% |
| Hawaii | $904 | -$354 | -28.1% |
| Idaho | $852 | -$406 | -32.3% |
| Illinois | $938 | -$320 | -25.4% |
| Indiana | $948 | -$310 | -24.6% |
| Iowa | $850 | -$408 | -32.4% |
| Kansas | $1,194 | -$64 | -5.1% |
| Kentucky | $1,714 | $456 | 36.2% |
| Louisiana | $1,862 | $604 | 48.0% |
| Maine | $778 | -$480 | -38.2% |
| Maryland | $1,038 | -$220 | -17.5% |
| Massachusetts | $1,004 | -$254 | -20.2% |
| Michigan | $2,182 | $924 | 73.4% |
| Minnesota | $1,054 | -$204 | -16.2% |
| Mississippi | $1,508 | $250 | 19.9% |
| Missouri | $1,116 | -$142 | -11.3% |
| Montana | $1,350 | $92 | 7.3% |
| Nebraska | $992 | -$266 | -21.1% |
| Nevada | $1,510 | $252 | 20.0% |
| New Hampshire | $906 | -$352 | -28.0% |
| New Jersey | $1,406 | $148 | 11.8% |
| New Mexico | $1,114 | -$144 | -11.4% |
| New York | $1,326 | $68 | 5.4% |
| North Carolina | $726 | -$532 | -42.3% |
| North Dakota | $1,032 | -$226 | -18.0% |
| Ohio | $868 | -$390 | -31.0% |
| Oklahoma | $1,292 | $34 | 2.7% |
| Oregon | $1,152 | -$106 | -8.4% |
| Pennsylvania | $1,198 | -$60 | -4.8% |
| Rhode Island | $1,678 | $420 | 33.4% |
| South Carolina | $1,140 | -$118 | -9.4% |
| South Dakota | $1,060 | -$198 | -15.7% |
| Tennessee | $1,100 | -$158 | -12.6% |
| Texas | $1,514 | $256 | 20.3% |
| Utah | $930 | -$328 | -26.1% |
| Vermont | $862 | -$396 | -31.5% |
| Virginia | $752 | -$506 | -40.2% |
| Washington | $970 | -$288 | -22.9% |
| West Virginia | $1,152 | -$106 | -8.4% |
| Wisconsin | $870 | -$388 | -30.8% |
| Wyoming | $1,120 | -$138 | -11.0% |
With such a large range in prices, the best way to find out your exact price is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Fiat 500X | $248 | $494 | $470 | $1,392 |
| 2022 Fiat 500X | $240 | $474 | $486 | $1,380 |
| 2021 Fiat 500X | $226 | $458 | $500 | $1,364 |
| 2020 Fiat 500X | $218 | $424 | $510 | $1,332 |
| 2019 Fiat 500X | $208 | $400 | $514 | $1,302 |
| 2018 Fiat 500X | $200 | $358 | $520 | $1,258 |
| 2017 Fiat 500X | $188 | $330 | $520 | $1,218 |
| 2016 Fiat 500X | $180 | $310 | $524 | $1,194 |
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 Shop for Affordable Fiat 500X Insurance
Finding better rates on Fiat 500X insurance takes being a safe and courteous driver, having good credit, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around once a year by getting rate quotes from direct companies, and also from several local insurance agents.
Below is a brief review of the data that was raised in the charts and tables above.
- You may be able to save up to $150 per year simply by quoting early and online
- Drivers who may need higher levels of liability will pay an extra $570 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers pay higher prices, possibly costing $417 per month if they have full coverage
- High-risk drivers with DUI or reckless driving convictions pay on average $1,470 more every year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,006 |
| 20 | $2,914 |
| 30 | $1,288 |
| 40 | $1,258 |
| 50 | $1,156 |
| 60 | $1,132 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,504 |
| $250 | $1,390 |
| $500 | $1,258 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,258 |
| 50/100 | $1,362 |
| 100/300 | $1,492 |
| 250/500 | $1,830 |
| 100 CSL | $1,414 |
| 300 CSL | $1,700 |
| 500 CSL | $1,908 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,088 |
| 20 | $4,652 |
| 30 | $2,764 |
| 40 | $2,730 |
| 50 | $2,612 |
| 60 | $2,588 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $65 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $50 |
| Advance Quote | $59 |
| Online Quote | $86 |
| Total Discounts | $514 |
Discounts are estimated and may not be available from every company or in every state.
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