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.

Estimated auto insurance rates for a Honda Fit are $886 annually for full coverage. Comprehensive insurance costs approximately $176 each year, collision costs $288, and liability costs around $312. A liability-only policy costs as low as $352 a year, with high-risk insurance costing $1,908 or more. Teenage drivers pay the most at $3,364 a year or more.

Average premium for full coverage: $886

Premium estimates by type of coverage:

Includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Fit models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have fewer accident claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance prices.

These rate differences show why all drivers should compare prices using their specific location and their own personal driving habits, instead of using 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 additional coverage and risk scenarios.

• The best discount rate is $518
• Using higher $1,000 deductibles will save $104 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $886
• Using low deductibles for physical damage coverage costs an additional $206 every year
• Drivers who are prone to accidents and violations could pay around $1,908 or more
• An auto insurance policy with full coverage for a teen driver can cost $3,364 or more

View Chart as Image

Auto insurance prices for a Honda Fit also have a wide range based on the model of your Fit, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $3,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,100 to $1,500 in extra premium annually, depending on your age. Insurance for high-risk drivers can be as much as 45% to 138% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $310 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $281 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda Fit insurance prices. A driver around age 40 might see prices 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

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different between companies.

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 Cheapest Honda Fit Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having above-average credit, not filing small claims, and not having any coverage lapses. Invest the time to shop around once a year by requesting quotes from direct carriers, and also from several local insurance agents.

The points below are a recap of the data that was illustrated above.

• Drivers can save around $100 per year simply by quoting online in advance
• Policyholders who purchase increased liability limits will pay an extra $340 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
• Drivers under the age of 20 have the highest car insurance prices, as much as $280 per month if full coverage is included
• Higher risk drivers that have major violations or accidents pay on average $1,020 more per year to insure a Honda 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.