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 including full coverage. Comprehensive costs approximately $176 a year, collision insurance costs $288, and liability coverage is $312. A liability-only policy costs around $352 a year, and high-risk insurance costs around $1,908. Teenage drivers cost the most to insure at up to $3,364 a year.

Average premium for full coverage: $886

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Fit trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $518
• Raising to $1,000 deductibles will save $782 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $886
• Using low $100 deductibles will increase the cost to $1,092
• Unlucky drivers who are prone to accidents and violations could pay around $1,908
• Policy cost for full coverage for a teenage driver can cost $3,364

View Chart as Image

Car insurance rates for a Honda Fit also range considerably based on your risk profile, the model of your Fit, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may only pay around $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $3,300 a year. View Rates by Age

Your home state also has a big influence on Honda Fit insurance rates. A middle-age driver might find rates as low as $680 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,270 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $310 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $281 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,100 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 45% to 138% more than a normal 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 Right Honda Fit Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and attention to physical damage deductibles. Invest the time to shop around at every other renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a quick rundown of the concepts that were illustrated above.

• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,020 more per year for car insurance
• Teenagers pay the highest auto insurance rates, with premiums being up to $280 each month if full coverage is included
• You may be able to save around $100 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $300 each year
• You may be able to save around $100 per year just by quoting early and online

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.