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 auto insurance rates for a Honda Fit are $886 annually including full coverage. Comprehensive costs approximately $176 each year, collision costs $288, and liability coverage costs around $312. Liability-only insurance costs as low as $352 a year, with high-risk driver insurance costing around $1,908. Teen drivers cost the most to insure at $3,364 a year or more.

Average premium for full coverage: $886

Policy rates by type of insurance:

Prices include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Fit models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location impacts auto insurance prices.

The examples above highlight why all drivers should compare prices using their specific location and their own personal driving habits, rather than using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $518
• Using higher $1,000 deductibles will save $104 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $886
• Choosing low deductibles for physical damage coverage will cost $1,092
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,908 or more
• Policy cost with full coverage for a teenage driver can cost $3,364 or more

View Chart as Image

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

More mature drivers with a good driving record and high physical damage deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, 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 points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,100 to $1,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 45% to 138% more than average. View High Risk Driver Rates

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

Your home state has a huge impact on Honda Fit insurance rates. A driver around age 40 might see rates as low as $680 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,270 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be varied 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 Right Honda Fit Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Spend time shopping around once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a quick rundown of the data that was touched on above.

• You may be able to save around $100 per year simply by quoting online in advance
• Consumers who purchase higher liability limits will pay about $340 per year to increase from a 30/60 limit to higher 250/500 limits
• Teens have the highest car insurance rates, with premiums being up to $280 each month if full coverage is included
• Drivers with reckless driving or DUI convictions may have to pay on average $1,020 more per year for Fit insurance

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.