Honda Fit Insurance Rates

How much does a Honda Fit cost to insure? What is the cheapest car to insure? The average insurance cost for a Honda Fit is $1,168 a year, or $97 a month. Of course, a 2010 Honda Fit insurance cost will be slightly different than a 2018 Honda Fit insurance cost, but vehicles‘ rates should always be near the average insurance cost for a model.

If you want to start shopping for cheap Honda Fit insurance rates right away, enter your ZIP code in our free tool above.

The average insurance rates for a Honda Fit are $886 a year with full coverage. Comprehensive costs approximately $176 each year, collision insurance costs $288, and liability costs around $312. Liability-only coverage costs as low as $352 a year, and high-risk coverage costs around $1,908. Teens cost the most to insure at up to $3,364 a year.

Average premium for full coverage: $886

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Fit models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance prices.

The examples above demonstrate why all drivers should compare prices using their specific location and risk profile, instead of making a decision based on averaged prices.

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

More Rate Details

The chart below details average Honda Fit insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $518
• Using higher $1,000 deductibles will save $104 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $886
• Selecting low deductibles for physical damage coverage will increase the cost to $1,092
• High-risk insureds with serious driving violations could pay around $1,908
• Policy cost for full coverage for a 16-year-old driver can cost $3,364 or more

View Chart as Image

Insurance rates for a Honda Fit also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age

Your home state has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates as low as $640 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,200 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $310 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $281 more each year. 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 anywhere from $1,100 to $1,500 additional every year, depending on your age. Insurance for high-risk drivers can be from 45% to 138% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2015 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Honda Fit Insurance

Finding cheaper rates on insurance for a Honda Fit requires being a good driver, having a good credit history, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates at every other renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief recap of the concepts that were presented in the illustrations above.

• Drivers considered higher risk who tend to receive serious violations pay on average $1,020 more per year than a safer driver
• Drivers age 16 to 20 are the costliest to insure, as much as $280 each month including comprehensive and collision insurance
• You may be able to save around $100 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $300 each year
• You may be able to save around $100 per year just by quoting online in advance

Wondering why are Hondas expensive to insure? If your rates are high, it’s likely because of your age or driving record. If you want to know what are the cheapest cars to insure for your age and driving record, shop around for rates.

Doing so will allow you to compare random model year costs, such as comparing 2008, 2010, 2019, and 2020 Honda Fit Insurance costs. Looking at how rates change over the years will give you an idea of what car insurance for a Honda Fit will cost in a decade.

Ready to find out how much is a Honda Fit car insurance plan in your area? Enter your ZIP code in our free tool below.

What are the safety ratings of the Honda Fit?

The Honda Fit average price of insurance can change based on Honda Fit safety ratings and features. The Honda Fit has some decent safety features that come standard, such as multiple airbags, brake assist, electronic stability control, and traction control

The Honda Fit also tested well at the Insurance Institute for Highway Safety (IIHS). The crash test ratings for the Honda Fit are listed below.

• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Keep in mind that safety ratings can change from year to year. So if you are wondering how much is insurance on a 2020 Honda Fit, it might be more or less than a 2010 Honda Fit Sport VSA depending upon what safety ratings the 2020 model received.

To see how the IIHS tested the Honda Fit, watch the video below.

Honda Fit Compared Against Other Vehicles in the Same Class

The Honda Fit is a minicar, which means it generally won’t be causing much damage to other drivers and vehicles in a crash. This can be good, as it means the Honda Fit could have lower liability rates.

To see how the Honda Fit compares with other minicars’ rates, view the list below.

• Chevrolet Spark Insurance Rates
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• Hyundai Accent Insurance Rates

Ready to start shopping for Honda Fit insurance rates? To learn everything from how much is a 2020 Honda Fit to a 2010 Honda Fit to insure in your area, enter your ZIP code in our free tool.