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 $906 annually including full coverage. Comprehensive insurance costs on average $180, collision insurance costs $310, and liability coverage is $306. Liability-only insurance costs around $348 a year, and high-risk driver insurance costs $1,950 or more. 16-year-old drivers cost the most to insure at up to $3,422 a year.

Average premium for full coverage: $906

Policy rates by type of insurance:

Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Fit models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The example below illustrates the difference location can make on car insurance rates.

The examples above highlight why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than using rate averages.

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

More Rate Details

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

• The best full coverage rate is $527
• Raising to $1,000 deductibles will save around $110 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $906
• Buying pricier low deductibles costs an additional $216 each year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $1,950
• Policy cost with full coverage for a teenage driver for full coverage may cost $3,422

View Chart as Image

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

A more mature driver with a good driving record and high physical damage deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $3,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,500 in extra premium every year, depending on your age. Honda Fit insurance for high-risk drivers is expensive and can cost around 44% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $330 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $276 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda Fit insurance rates. A middle-age driver might find rates as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,290 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Best Cheap Honda Fit Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a quick review of the data that was touched on in this article.

• You may be able to save as much as $110 per year just by quoting online well ahead of the renewal date
• Consumers who require more liability coverage will pay around $340 per year to raise from a 30/60 limit to higher 250/500 limits
• Teen drivers are charged the highest rates, with premiums being up to $285 each month if full coverage is included
• Drivers with a DUI or reckless driving violation pay on average $1,040 more each year to insure their Fit

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.