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 rates for a Honda Fit are $932 a year for full coverage insurance. Comprehensive costs around $188, collision costs $330, and liability insurance is estimated at $304. Buying just liability costs approximately $346 a year, with insurance for high-risk drivers costing around $2,006. Teen drivers pay the highest rates at $3,500 a year or more.

Average premium for full coverage: $932

Price estimates for individual coverage:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Fit trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying on price averages.

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

Additional Rate Information

The chart below illustrates estimated Honda Fit insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $541
• Choosing higher $1,000 deductibles can save about $118 each year
• The average rate for the average middle-age driver using $500 deductibles is $932
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,158
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,006 or more
• The price for full coverage for a teen driver with full coverage can be $3,500 each year

View Chart as Image

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

An older driver with no violations or accidents and high deductibles could pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $3,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda Fit insurance rates. A good driver about age 40 could pay as low as $610 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,260 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $350 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $273 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,100 to $1,500 additional each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 132% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, and prices may be quite different from one company to the next.

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 Low Cost Honda Fit Insurance

Getting lower rates on Honda Fit insurance takes being a good driver, having a good credit history, not filing small claims, and taking advantage of discounts. Take the time to comparison shop at least once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a review of the primary concepts that were touched on in the above illustrations.

• It is possible to save up to $110 per year simply by shopping early and online
• High-risk drivers who have several accidents or serious violations may pay on average $1,070 more every year than a safer driver
• Increasing physical damage deductibles can save around $350 each year
• Drivers age 16 to 20 are charged the highest prices, as much as $292 a month including comprehensive and collision insurance

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.

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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.