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 $906 a year for full coverage. Comprehensive costs an estimated $180 a year, collision insurance costs $310, and liability costs around $306. A policy with just liability insurance costs as low as $348 a year, and coverage for high-risk drivers costs around $1,950. Teenage drivers receive the highest rates at up to $3,422 a year.

Average premium for full coverage: $906

Rate estimates broken down by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Fit trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how where you live affects insurance prices.

These examples show why it is important to compare prices for a targeted area, instead of making a decision based on average rates.

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

More Rate Information

The chart below shows average Honda Fit insurance rates for other coverage scenarios.

• The best discount rate is $527
• Using higher $1,000 deductibles will save approximately $796 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $906
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,122
• High-risk insureds who are prone to accidents and violations could pay up to $1,950
• The cost that insures a 16-year-old driver can cost as much as $3,422 or more

View Chart as Image

Insurance rates for a Honda Fit can also vary considerably based on the trim level of your Fit, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,100 to $1,500 additional per year, depending on your age. A high-risk auto insurance policy can be from 44% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $3,400 a year. View Rates by Age

Where you live has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates as low as $600 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,290 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $330 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $276 more each year. View Rates by Deductible or Liability Limit

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 Cheapest Honda Fit Insurance

Saving money on insurance for a Honda Fit requires avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Compare prices at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a recap of the data touched on in the above illustrations.

• Insureds who want higher liability limits will pay an extra $340 each year to increase from a minimum limit to the 250/500 level
• Drivers can save approximately $110 per year just by quoting early and online
• Increasing deductibles can save approximately $325 each year
• Teenagers are expensive to insure, costing as high as $285 per month if comprehensive and collision insurance is included

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.