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 rates for a Honda Fit are $886 a year including full coverage. Comprehensive insurance costs around $176 a year, collision insurance costs $288, and liability costs $312. A liability-only policy costs as little as $352 a year, and high-risk insurance costs $1,908 or more. Teen drivers cost the most to insure at up to $3,364 a year.

Average premium for full coverage: $886

Policy rates for type of insurance:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Fit trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code, instead of using price 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 additional coverage choices and driver risks.

• The lowest rate with discounts is $518
• Drivers who choose higher $1,000 deductibles will pay about $782 every year
• The estimated price for a good driver age 40 using $500 deductibles is $886
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $206 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,908
• Policy cost that insures a teen driver can be $3,364 a year

View Chart as Image

Car insurance rates for a Honda Fit also range considerably based on the trim level of your Fit, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,100 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 138% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $3,300 a year. View Rates by Age

Your home state makes a big difference in Honda Fit insurance prices. A 40-year-old driver could pay as low as $680 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,270 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $310 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $281 extra every 12 months. 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 Right Honda Fit Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Shop around every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the information raised in the charts and tables above.

• You may be able to save up to $100 per year just by quoting early and online
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $280 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,020 more every year to insure a Honda Fit
• Policyholders who may need increased liability limits will pay about $340 per year to go from a 30/60 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.