Fiat 500X Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Fiat 500X than the average SUV.
• Liability only car insurance rates for a 500X run about $72 a month, while full coverage generally runs around $140 per month.
• The most affordable auto insurance company for a 500X is Aspire.

500X Overview

Coming in with a base MSRP of $24,840 for 2021 models, the Fiat 500X is a great budget-friendly SUV for drivers of all types. With four different trim levels currently offered, you'll drive off the dealership lot in style.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've found that average Fiat 500X car insurance premiums run about $133 monthly. How do insurance prices for the 500X compare to rates of other similar SUVs?

How Much is Car Insurance for a Fiat 500X?

If you look at the table above, you'll see that Fiat 500X insurance premiums are lower than average compared to other vehicles. On average, 500X owners will pay around $72 per month for liability insurance, and about $140 a month for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about the difference with our guide "State Minimum vs. Full Coverage").

When you compare it to other Fiat models, the 500X's insurance price is on par with the rest of the automaker's vehicle offerings. However, compared to other vehicles of a similar body style, 500X coverage is more affordable than average, with both liability only and full coverage insurance averaging less expensive rates than other SUVs.

When compared to all vehicles, regardless of make, body style, or model, the 500X follows a similar pattern of having below average auto insurance prices.

Who has the Cheapest Car Insurance for a Fiat 500X?

If you're browsing for a car insurance policy for a Fiat 500X, you may be wondering which carrier offers the most affordable premiums. Even though there will never be one company that offers the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $25 a month from MetroMile. The runner up for cheapest rates is Workmens, with car insurance policies starting sometimes as low as $34 monthly.

Finishing off the rest of the top 5 are Kemper, Mile Auto, and Dairyland. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Insurance carriers use a variety of different variables and complex formulas to calculate premiums. By analyzing quotes from many insurance companies at once, you can be sure you're finding the most affordable rate.

What Factors Affect Car Insurance Rates for a Fiat 500X?

There are a whole range of factors that auto insurance carriers look at to determine how much they charge you -- and each carrier uses a different formula, so there's not a singular company that's the lowest for everyone.

The sections below show multiple things car insurance companies use to calculate rates:

Vehicle Age

The Fiat 500X has been around for a few years -- that means vehicle age will likely make a difference in your insurance premium. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and 500Xs begin to depreciate, insurance costs will gradually get lower.

Based on the information in the table above, the Fiat 500X bucks the trend, as the cheapest models to insure are those that are 1 year old or less, while the most expensive models are 2 to 3 years old, on average.

Your Age

How old you are makes a significant difference in how much you pay for car insurance. Based on the information in the table above, young drivers have higher premiums than those with more experience on the road. In this case, drivers 18 to 24 pay $24 more than those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group being 45-54 for 500X drivers.

Your Gender

Men usually pay more for auto insurance than women. This is because men are more likely to get into collisions and get speeding tickets, which increases the chances of an insurance claim. Surprisingly, for 500X drivers, this trend does not hold, and women pay more for their insurance than men.

Where You Live

It may seem like common sense that factors such as what vehicle you drive and how old you are play a role in your car insurance prices, but you may not realize that where you live is equally important. Since auto insurance is regulated on the state level rather than nationally, rates can vary quite a bit depending on what state you live in.

For example, the average Fiat 500X driver in New York pays around $258 per month for liability coverage. Meanwhile, the same Californian owner will pay only a fifth of that price, on average.

Fiat 500X Car Insurance Discounts

No matter which vehicle you drive, where you live, or how old you are, using as many discounts as possible when it comes to your car insurance policy is always a good idea.

While no two insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include things like:

• Pay-in-full discounts for drivers who choose to pay their entire policy rate up front, rather than in monthly installments
• Multi-policy discounts for using the same insurance carrier for both your home and car insurance
• Multi-vehicle discounts for having more than one car on your auto policy
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution

However, discounts aren't the only way to save. And often, the best way to save isn't through a "discount" at all, but rather by having a favorable driving record and insurance profile.

Although you can't control every factor auto insurance carriers reference to calculate premiums (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the things you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've almost certainly noticed ads from insurance companies posting hefty discounts for good drivers. It checks out that your car insurance rates will get higher if you get a ticket for speeding or get into an accident. But how much will they cost you?

Based on the table above, accidents will usually cost 500X drivers more than tickets, but both will result in above average rates. Fiat 500X drivers with a single accident on their record pay an average of $77 a month (up $5 from the $72/mo. overall average), while drivers with one ticket will pay about $61 a month. Those who have multiple kinds of either violation will end up paying even more.

How Much You Drive

Another variable that plays a big role in your auto insurance prices is the total amount of miles you drive. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll normally end up paying less for insurance. In the table above, you can see that Fiat 500X owners who drive fewer than 2,500 miles per year pay about $31 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $54.

But if you don't drive much because have a second vehicle or you work from home, it may be worth reviewing pay-per-mile or usage-based car insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Fiat 500Xs Compare to Other Vehicles?

If you're thinking about making a Fiat 500X your next SUV, it can pay off to do your due diligence. Auto insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Take a look at the table below to see how the Fiat 500X compares:

As you can see, a Fiat 500X is a great value when it comes to overall price tag. While the national average vehicle MSRP is $46,296, the 500X retails at just $24,840.

Liability insurance for a Fiat 500X is, while full coverage is $14 more monthly.

When it comes to usage, Fiat 500X drivers are much higher than the national average in annual miles driven, with 13,290 miles each year compared to 11,617 for all vehicles.

Fiat 500X Car Insurance Costs by Model Year

We've walked through many of the variables that can affect how much the average driver pays to insure a Fiat 500X. But if you're considering buying a new 500X, knowing what you can expect to pay can be helpful as you consider your choices.

2018 Fiat 500X Car Insurance

The average cost to insure a 2018 Fiat 500X with liability only coverage is $54 a month, while full coverage runs about $135 monthly.

MetroMile offered the cheapest policy we found, with rates sometimes as cheap as $33 per month.

If you want to know exactly how much you can expect to pay for your 500X, just enter your ZIP code below and get several free quotes in minutes.

2017 Fiat 500X Car Insurance

It costs around $51 a month for liability or $142 for a full coverage policy for the 2017 500X.

We found Commonwealth Casualty offered the lowest policy, with rates as cheap as $32 monthly.

While these are good estimates of what the average driver might pay to insure a 2017 Fiat 500X, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2016 Fiat 500X Car Insurance

You can expect full coverage for a 2016 Fiat 500X to run about $141 a month, while liability only coverage will average around $76 per month.

With rates as cheap as just $18 monthly, Gainsco offered the most affordable policy we found.

What could your auto insurance premium look like? Just enter your ZIP code below to get lots of free customized quotes.

Fiat 500X Insurance FAQs

Is a Fiat 500X expensive to insure?

It costs less to insure a Fiat 500X when compared to the average SUV. Liability insurance runs an average of $72 a month, while full coverage will cost you around $140.

How can I get the best price on car insurance for my Fiat 500X?

There's only one way to ensure you're getting the cheapest rates -- regularly shopping around and comparing quotes from an array of carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole bunch of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Fiat 500X affect my insurance prices?

You may have heard that it costs more to insure red cars than silver or white ones, but that's simply not true. While there are a variety of factors car insurance carriers consider when they calculate how much your policy will be, the color of your car is not factored into that decision.

Do I need to have insurance before I buy a Fiat 500X?

Before you can legally drive your new (or new to you) Fiat 500X off the dealership lot, you'll need to have an auto insurance policy in place. Some dealerships will offer you an insurance policy as part of the buying process, but your best bet is letting your insurance carrier know beforehand.

What car insurance discounts can I get for my Fiat 500X?

There are a whole range of different discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the 500X you drive, but if your 500X has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to find out is to talk with your insurance agent and ask about their list of discounts, since they shift quite a bit from company to company.