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 prices for a Honda Fit are $886 every 12 months for full coverage. Comprehensive costs an estimated $176, collision costs $288, and liability insurance is estimated at $312. A liability-only policy costs approximately $352 a year, with high-risk insurance costing around $1,908. Teenage drivers cost the most to insure at $3,364 a year or more.

Average premium for full coverage: $886

Policy rates broken down by type of insurance:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Fit trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities.

The price range example below illustrates the difference location can make on insurance prices.

The examples above show why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $518
• Choosing higher $1,000 deductibles can save approximately $104 a year
• The average price for a good driver age 40 who has $500 deductibles is $886
• Using more expensive low deductibles for comp and collision coverage increases the price to $1,092
• High-risk insureds who are prone to accidents and violations could pay up to $1,908 or more
• Policy cost to insure a teen driver with full coverage can cost as much as $3,364 each year

View Chart as Image

Car insurance rates for a Honda Fit also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $310 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $281 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $3,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,100 to $1,500 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 138% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda Fit insurance rates. A good driver about age 40 could pay as low as $590 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,270 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.

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 Shop for Cheap Honda Fit Insurance

Finding cheaper rates on Honda Fit insurance takes avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Make time to compare rates every couple of years by getting rate quotes from direct carriers, and also from several local insurance agents.

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

• Drivers who want higher liability limits will pay an extra $340 each year to raise limits from a 30/60 limit to a 250/500 level
• Teenagers have the highest car insurance rates, costing up to $280 each month if the policy includes full coverage
• High-risk drivers that tend to have accidents or serious violations pay on average $1,020 more annually for car insurance
• Increasing comprehensive and collision deductibles could save as much as $300 each year

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.