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.

U.S. average insurance prices for a Honda Fit are $886 every 12 months including full coverage. Comprehensive insurance costs around $176 each year, collision insurance costs $288, and liability insurance costs $312. Liability-only insurance costs as little as $352 a year, and high-risk driver insurance costs $1,908 or more. Teenage drivers pay the highest rates at up to $3,364 a year.

Average premium for full coverage: $886

Price estimates for individual coverage:

Estimates include $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Fit models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

The ranges above highlight why all drivers should compare rates 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.

Rates by State, City, and Model

The chart below breaks down average Honda Fit insurance rates for additional coverage choices and driver risks.

• The best discount rate is $518
• Drivers who choose higher $1,000 deductibles will pay about $104 every year
• The average price for the average middle-age driver using $500 deductibles is $886
• Using low deductibles for comprehensive and collision insurance costs an extra $206 a year
• High risk drivers who are prone to accidents and violations could pay at least $1,908
• The price to insure a teen driver can be $3,364 a year

View Chart as Image

Car insurance prices for a Honda Fit are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles could save up to $310 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $281 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $800 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $3,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,100 to $1,500 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 138% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Honda Fit insurance rates. A 40-year-old driver could pay as low as $680 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,270 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Shop for Low Cost Honda Fit Insurance

Getting lower rates on Honda Fit insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a review of the material that was covered in the charts and tables above.

• Drivers who may need higher liability limits will pay an extra $340 per year to go from a low limit to a 250/500 level
• Teens are the costliest to insure, possibly costing $280 a month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,020 more every year for Fit insurance
• Increasing physical damage deductibles could save as much as $300 each year

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
• Ford Fiesta Insurance Rates
• 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.