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 with full coverage. Comprehensive insurance costs an estimated $176 a year, collision costs $288, and liability costs around $312. Buying just liability costs as low as $352 a year, with insurance for high-risk drivers costing $1,908 or more. Teen 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:

Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Fit trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $518
• Using higher $1,000 deductibles will save approximately $782 annually
• The average rate for a good driver age 40 who has $500 deductibles is $886
• Choosing low $100 deductibles for physical damage coverage will cost an extra $206 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $1,908 or more
• Policy cost for full coverage for a 16-year-old driver can cost as much as $3,364 or more

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $3,300 a year. View Rates by Age

Your home state has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates as low as $640 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,200 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $310 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $281 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,100 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can be from 45% to 138% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied 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 the Best Honda Fit Insurance

Finding cheaper rates on insurance for a Honda Fit requires not taking risks behind the wheel, maintaining good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates at every other renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief recap of the concepts that were covered in the above illustrations.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,020 more annually for Fit insurance
• Teens are charged the highest rates, as much as $280 each month for full coverage
• You may be able to save approximately $100 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $300 each year
• You may be able to save approximately $100 per year simply by quoting 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.