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 prices for a Honda Fit are $886 every 12 months with full coverage. Comprehensive costs an estimated $176 a year, collision costs $288, and liability costs $312. A liability-only policy costs as little as $352 a year, with high-risk insurance costing around $1,908. Teens cost the most to insure at $3,364 a year or more.

Average premium for full coverage: $886

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Fit trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below details estimated Honda Fit insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $518
• Drivers who choose higher $1,000 deductibles will pay approximately $782 annually
• The average price for a good driver age 40 who has $500 deductibles is $886
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,092
• Drivers with serious driving violations could pay up to $1,908 or more
• Policy cost to insure a 16-year-old driver can cost as much as $3,364 a year

View Chart as Image

Car insurance rates for a Honda Fit also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $310 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $281 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $3,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,100 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can cost from 45% to 138% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Honda Fit insurance prices. A 40-year-old driver could pay 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

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Every company calculates rates differently, so rate quotes will be varied.

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 More Affordable Honda Fit Insurance

Finding cheaper rates on insurance for a Honda Fit not only requires being safe and accident-free, but also maintaining a good credit score, not filing small claims, and not having any coverage lapses. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a summary of the information touched on in the above illustrations.

• You may be able to save approximately $100 per year simply by quoting early and online
• Youthful drivers have the highest car insurance rates, as much as $280 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,020 more annually than a low-risk driver
• Insureds who want more liability protection will pay approximately $340 every year to go from a 30/60 limit to a 250/500 level

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.