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.

Average insurance rates for a Honda Fit are $886 a year with full coverage. Comprehensive insurance costs approximately $176, collision costs $288, and liability is estimated at $312. Buying just liability costs approximately $352 a year, with insurance for high-risk drivers costing $1,908 or more. 16-year-old drivers receive the highest rates at $3,364 a year or more.

Average premium for full coverage: $886

Rate estimates by individual coverage type:

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Fit models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have lower incidents of collision claims than congested cities.

The example below illustrates how location helps determine auto insurance prices.

These examples demonstrate why everyone should get quotes using their specific location, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below details estimated Honda Fit insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $518
• Choosing higher $1,000 deductibles can save $104 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $886
• Buying pricier low deductibles for comp and collision coverage will cost an additional $206 annually
• Higher-risk drivers with multiple tickets or accidents could pay around $1,908 or more
• The cost that insures a 16-year-old driver for full coverage can cost $3,364 each year

View Chart as Image

Auto insurance rates for a Honda Fit can also vary considerably based on the model of your Fit, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,100 to $1,500 in extra premium per year, depending on your age. Honda Fit insurance for high-risk drivers ranges from 45% to 138% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $800 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Honda Fit insurance prices. A good driver about age 40 could pay as low as $640 a year in states like Utah, Ohio, and New Hampshire, or at least $1,200 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $310 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $281 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different.

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

Saving money on insurance for a Honda Fit takes being a safe and courteous driver, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Comparison shop every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a brief summary of the information covered in the charts and tables above.

• You may be able to save around $100 per year simply by quoting online well ahead of the renewal date
• Teenage drivers have the highest car insurance rates, with premiums as much as $280 per month if the policy includes full coverage
• Increasing deductibles can save approximately $300 each year
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,020 more per year for auto insurance
• Insureds who purchase higher levels of liability will pay around $340 every year to raise limits from a minimum limit to the 250/500 level

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.