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 for full coverage. Comprehensive costs on average $176, collision insurance costs $288, and liability coverage costs $312. Buying just liability costs as little as $352 a year, and insurance for high-risk drivers costs around $1,908. 16-year-old 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:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Fit trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The price range example below illustrates the difference location can make on car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using rate averages.

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

Rates by State, City, and Model

The chart below shows average Honda Fit insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $518
• Drivers who choose higher $1,000 deductibles will pay around $104 a year
• The average rate for a good driver age 40 with $500 deductibles is $886
• Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,092
• High-risk insureds with multiple tickets or accidents could pay upwards of $1,908
• Policy cost for full coverage for a teenage driver with full coverage may cost $3,364 a year

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Insurance rates for a Honda Fit also range considerably based on your risk profile, the trim level of your Fit, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $3,300 a year. View Rates by Age

Your home state makes a big difference in Honda Fit insurance rates. A 40-year-old driver could pay as low as $590 a year in states like Idaho, Maine, and Iowa, or at least $1,270 on average in Michigan, Louisiana, and New York.

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Opting for high physical damage deductibles could save up to $310 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $281 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,100 to $1,500 extra every year, depending on your age. High-risk driver insurance can cost around 45% to 138% more than the average rate. 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 Cheap Honda Fit Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Make time to compare rates every other policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The list below is a brief summary of the ideas that were touched on in this article.

• Teenagers pay the highest rates, costing up to $280 each month for full coverage
• Drivers that tend to have accidents or serious violations will pay on average $1,020 more each year for car insurance
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers can save as much as $100 per year just by shopping 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
• 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.