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 including full coverage. Comprehensive costs around $176, collision costs $288, and liability insurance costs $312. Liability-only coverage costs as little as $352 a year, with high-risk coverage 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 for type of insurance:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Fit trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than relying on average rates.

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

Additional Rate Information

The chart below breaks down estimated Honda Fit insurance rates for additional coverage choices and driver risks.

• The best discount rate is $518
• Drivers who choose higher $1,000 deductibles will pay about $104 every year
• The average price for a good driver age 40 using $500 deductibles is $886
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,092
• High risk drivers who are prone to accidents and violations could pay at least $1,908 or more
• Policy cost to insure a teen driver with full coverage can be $3,364 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $310 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $281 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $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 are likely paying at least $1,100 to $1,500 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 138% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and rates 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 the Best Honda Fit Insurance

Finding cheaper rates on Honda Fit insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to comparison shop at least every other year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a brief recap of the car insurance concepts touched on in the above illustrations.

• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,020 more every year to insure their Fit
• You may be able to save up to $100 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Drivers who may need more liability coverage will pay an extra $340 per year to go from a 30/60 limit to a 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.