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 auto insurance rates for a Honda Fit are $886 annually with full coverage. Comprehensive costs on average $176 each year, collision costs $288, and liability costs around $312. Liability-only coverage costs as low as $352 a year, with high-risk coverage costing around $1,908. 16-year-old drivers cost the most to insure at $3,364 a year or more.

Average premium for full coverage: $886

Policy rates by type of insurance:

Prices include $500 physical damage deductibles, minimum liability limits, and includes both 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 auto insurance rates. Rural areas are shown to have fewer collision claims than congested cities.

The graphic below illustrates how where you live affects car insurance rates.

The examples above demonstrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Rate Comparisons

The chart below details estimated Honda Fit insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $518
• Using higher $1,000 deductibles will save around $104 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $886
• Buying low deductibles for physical damage coverage will cost $1,092
• High-risk insureds with multiple tickets or accidents could pay upwards of $1,908 or more
• Policy cost with full coverage for a 16-year-old driver may cost $3,364 or more

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $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 rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $310 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $281 more each year. View Rates by Deductible or Liability Limit

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 New Hampshire, Ohio, and Utah, or at least $1,200 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, and rates will be varied between companies.

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 Buy the Right Honda Fit Insurance

Finding cheaper rates on insurance for a Honda Fit requires being a safe and courteous driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a quick rundown of the material that was touched on in the above illustrations.

• Insureds who require higher levels of liability will pay around $340 every year to increase from a 30/60 limit to higher 250/500 limits
• Teenage drivers pay higher rates, as much as $280 each month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,020 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $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.