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Guide · By Vehicle · Fiat 500X

Fiat 500X insurance cost in the UK (2026)

The average UK comprehensive car insurance premium for a Fiat 500X is about £699 a year in 2026 — close to the ~£600 typical UK car despite being a small crossover SUV, because the popular 1.3 Multijet diesel Pop sits in insurance group 5. Most 500X versions fall in groups 5–11, so a Pop, Pop Star or 1.0 FireFly Cross is genuinely affordable; only the 1.4 MultiAir, 2.0 diesel 4x4 and late 1.5 Hybrid 48V (group 20) push premiums higher. Full breakdown by version, driver age and region below.

Premiums by version → Other cars
Typical Fiat 500X insurance costs

Independent research from our UK cost index — sourced from ABI and Confused.com published data.

5–20
Fiat 500X insurance groups
£699/yr
Average UK Fiat 500X premium, 2026
from £420
Cheapest 1.3 diesel Pop, group 5
Direct Answer

How much does it cost to insure a Fiat 500X?

A typical UK driver pays around £699 a year for comprehensive cover on a Fiat 500X in 2026, based on aggregated market data — roughly £58 a month if you pay in one go, or about £63 a month on monthly instalments once interest is added. That is only modestly above the ~£566–£600 UK average, which is impressive for a crossover SUV and reflects the 500X’s modest engines and low repair costs. The version matters most: the 1.3 Multijet diesel Pop sits in insurance group 5 on the 1–50 scale, and the mainstream petrol and diesel Pop, Pop Star and Cross models sit in groups 5–11 — genuinely cheap for the class. Only the 1.4 MultiAir 140, the 2.0 Multijet 4x4 diesel and the late 1.5 Hybrid 48V (group 20) cost noticeably more. Age and postcode then move the figure hard: a 20-year-old pays roughly £819 on the base car, a 40-year-old closer to £440. If your renewal is well above these numbers, read our guide on why UK car insurance is so expensive in 2026 before you renew.

By Version

Fiat 500X insurance group & typical premium by version (2026)

Fiat 500X typical insurance premium by version — UK 2026
The diesel and petrol Pop models cluster near £440–£565; the 1.4 MultiAir, 2.0 diesel 4x4 and 1.5 Hybrid climb higher up the group scale.
Pop 1.3 diesel£440 Pop Star 1.3£475 Pop 1.6 E-torQ£520 1.0 FireFly 120£565 1.4 MultiAir£640 2.0 diesel 4x4£720 1.5 Hybrid 48V£790

Source: Finder UK Fiat 500X insurance-group data (average premium £698.54, group range 5–20) and Thatcham Research insurance-group ratings; typical composites for a 35–50-year-old driver, not live quotes.

Fiat 500X versionInsurance group (1–50)Typical annual premium
1.3 Multijet diesel Pop5£420–£520
1.3 Multijet Pop Star / Cross6£450–£560
1.6 E-torQ petrol Pop7£470–£620
1.0 FireFly Turbo 120 (Cross / Sport)11£540–£690
1.4 MultiAir 140 (Cross Plus)14£600–£760
2.0 Multijet 140 4x4 diesel16£660–£820
1.5 Hybrid 48V (Red / late cars)20£700–£880

Sources: Finder UK Fiat 500X insurance-group data (average premium £698.54, group range 5–20) and Thatcham Research insurance-group ratings; higher-group MultiAir, 2.0 diesel 4x4 and Hybrid figures from Thatcham/insurer group listings. Premium ranges are illustrative composites for a typical 35–50-year-old driver, clean licence, comprehensive cover, mid-range postcode — not live quotes.

By Driver & Region

How age and postcode change the Fiat 500X premium

Driver age and location move the Fiat 500X premium far more than the trim badge alone. Using the base 1.3 Multijet Pop (insurance group 5) as a constant, market data shows the following age curve — the same car, very different prices:

Driver age (base group 5 Fiat 500X)Typical annual premium
Age 20£819
Age 30£505
Age 40£440
Age 50£418

Sources: Finder UK age-banded quote data for a Fiat 500X 1.3 Multijet Pop (group 5). Location example for a 30-year-old on the same model: £363 (Newquay TR8) to £799 (London E10), with Chester (CH1) mid-range at £505 — a London driver pays roughly twice a rural one.

Six practical ways to bring a Fiat 500X premium down:

  1. Pick a low-group version — a 1.3 Multijet or 1.6 E-torQ Pop (groups 5–7) can be 25–40% cheaper to insure than a 1.4 MultiAir or 2.0 diesel 4x4, and a fair bit less than the 1.5 Hybrid 48V.
  2. Increase your voluntary excess — raising it from £150 to £500 typically cuts the premium 8–15%, if you can cover the excess on a claim.
  3. Add a low-risk named driver — a second experienced driver can save 10–20%, provided the genuine main driver is named correctly (never “fronting”).
  4. Pay annually, not monthly — monthly instalments carry 20–40% APR; paying the £699 in one go avoids that interest.
  5. Build and protect no-claims discount — several clean years can cut a base premium by 60%+; protecting it keeps the discount after a single claim.
  6. Compare 21–23 days before renewal — the cheapest quotes still cluster about three weeks out, even after the FCA fair-pricing rules ended the loyalty penalty.
Common Questions

Fiat 500X insurance FAQs

The Fiat 500X spans insurance groups 5 to 20 on the 1–50 scale. The 1.3 Multijet diesel Pop is group 5, the Pop Star and Cross around group 6, the 1.6 E-torQ petrol group 7 and the 1.0 FireFly Turbo 120 about group 11. Higher up, the 1.4 MultiAir 140 sits near group 14, the 2.0 Multijet 4x4 diesel around group 16, and the late 1.5 Hybrid 48V reaches group 20. For the cheapest cover, choose a 1.3 Multijet or 1.6 E-torQ Pop.
The average across all drivers and versions is about £699 a year for comprehensive cover in 2026, or roughly £58 a month if you pay annually (nearer £63 a month on monthly instalments once interest is added). A typical 40-year-old on a base 1.3 Multijet Pop pays nearer £440, while a 20-year-old on the same car pays around £819. A 1.4 MultiAir or 2.0 diesel 4x4 owner pays more, and the exact figure depends on your specific 500X, age, postcode, no-claims discount and annual mileage.
No — for a crossover SUV it is genuinely affordable. With the mainstream Pop and Cross models in insurance groups 5–11, low repair costs and modest engines, the 500X insures much like a supermini rather than a large SUV. The average premium of about £699 a year is only a little above the UK all-car average. The pricier exceptions are the 1.4 MultiAir 140, the 2.0 Multijet 4x4 diesel and the 1.5 Hybrid 48V (group 20), which carry higher values and repair costs.
It can be, if you pick the right version. The 1.3 Multijet Pop in insurance group 5 keeps premiums reasonable for a new driver, and the 500X’s modest power and good safety rating reassure insurers. A 20-year-old can expect around £819 on the base model — high in absolute terms because of age, but fair for the age band and cheaper than many rival crossovers. Adding a black box, completing Pass Plus and sticking to the lowest-group 1.3 or 1.6 version will bring it down further. Avoid the higher-group 1.4 MultiAir and 2.0 diesel 4x4 for a first policy.
The 1.3 Multijet diesel Pop is the cheapest to insure, sitting in insurance group 5 with typical premiums of about £420–£520 for a settled driver. The Pop Star and Cross (group 6) and the 1.6 E-torQ petrol Pop (group 7) are close behind. The 1.0 FireFly Turbo 120 in the Cross or Sport trims is a little higher at group 11. Stepping up to the 1.4 MultiAir 140, the 2.0 Multijet 4x4 diesel or the 1.5 Hybrid 48V lifts the group — and the premium — noticeably.
Only slightly, and it depends on the engine rather than the rugged Cross styling. A 1.3 Multijet or 1.6 E-torQ Cross sits in much the same groups (6–7) as the equivalent Pop, so the premium is broadly similar. The Cross badge itself does not push you into a higher group — it is the 1.0 FireFly Turbo 120 (group 11) and, above it, the 1.4 MultiAir 140 (group 14) engines often fitted to Cross Plus cars that raise the price. Choose a lower-powered Cross and it insures much like a standard 500X.
Yes, substantially. Postcode is one of the biggest pricing factors after age and the car itself. For the same base group 5 Fiat 500X, a 30-year-old in a low-risk area such as Newquay (TR8) might pay around £363, while the same driver in a London postcode (E10) pays around £799 — more than double, with Chester sitting mid-range near £505. Urban areas carry higher theft, vandalism and accident rates, which insurers price in. A secure overnight parking spot and an accurate mileage estimate both help keep the figure down.
Choose a low-group version (a 1.3 Multijet or 1.6 E-torQ Pop in groups 5–7), pay annually to avoid 20–40% instalment APR, raise your voluntary excess if affordable, add a low-risk named driver, and build and protect your no-claims discount. Comparing quotes about three weeks before renewal, keeping mileage realistic and parking securely overnight all help. Younger drivers should also consider a telematics (black-box) policy, which can save new drivers a few hundred pounds a year.

Our sources

  • Finder UK — Fiat 500X insurance group & cost — average premium £698.54, group range 5–20, age-banded and regional quote data (finder.com)
  • VehicleScore — Fiat 500X insurance group — group-range and model-variant context (vehiclescore.co.uk)
  • Thatcham Research — insurance-group ratings underpinning the by-version table
  • ABI 2026 Motor Insurance Premium Tracker — ~£566–£600 UK average comprehensive premium for context
  • Confused.com Price Index — 2026 market trend and regional pricing patterns
  • gov.uk — Vehicle insurance — legal cover requirements
  • Car Insurance Expert composite quote sample — 2026 illustrative ranges across major UK insurers for Fiat 500X profiles

Reviewed by the Car Insurance Expert editorial team

Reviewed by the Car Insurance Expert editorial team (motor insurance research). Methodology: figures are compiled from Finder UK, VehicleScore, ABI and Confused.com published data plus our own multi-insurer composite quote sampling. Questions: editorial@carinsuranceexpert.co.uk.

Last updated: 30 August 2026

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