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.

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

Average premium for full coverage: $886

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Fit trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $518
• Choosing higher $1,000 deductibles can save $104 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $886
• Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,092
• High-risk insureds with serious driving violations could pay around $1,908 or more
• The price for full coverage for a teen driver with full coverage can cost $3,364 each year

View Chart as Image

Insurance prices for a Honda Fit are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles could pay as little as $800 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $310 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $281 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,500 additional each year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 138% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, and prices may be quite different from one company to the next.

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

Getting lower rates on Honda Fit insurance takes having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a brief summary of the ideas that were covered in the above illustrations.

• 16 to 18-year-old drivers are the costliest to insure, costing up to $280 a month including comprehensive and collision insurance
• High-risk drivers that tend to have accidents or serious violations pay on average $1,020 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $300 each year
• You may be able to save around $100 per year simply by shopping early and online

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.