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 $1,108 a year including full coverage. Comprehensive insurance costs around $240, collision insurance costs $474, and liability coverage costs around $284. Liability-only coverage costs as low as $328 a year, and high-risk coverage costs $2,398 or more. Teens cost the most to insure at up to $4,048 a year.

Average premium for full coverage: $1,108

Policy rates for type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why everyone should compare prices for a specific zip code, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $624
• Using higher $1,000 deductibles will save about $162 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,108
• Selecting pricier low deductibles for physical damage coverage will cost an additional $316 each year
• Higher-risk drivers with serious driving violations could pay at least $2,398
• Policy cost that insures a teenage driver for full coverage can be $4,048 or more

View Chart as Image

Insurance rates for a Honda Fit also range considerably based on the model of your Fit, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,300 to $1,800 additional every year, depending on your age. Honda Fit insurance for high-risk drivers can be around 44% to 131% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,000 a year. View Rates by Age

Your home state has a huge impact on Honda Fit insurance rates. A driver around age 40 might see rates as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,580 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $480 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $255 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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 Low Cost Honda Fit Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare rates once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a review of the data that was covered above.

• You may be able to save up to $140 per year just by quoting online well ahead of the renewal date
• Consumers who may need higher liability limits will pay approximately $310 per year to increase from a 30/60 limit to the 250/500 level
• Teenagers are charged the highest rates, with premiums being up to $337 each month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations may have to pay on average $1,290 more every year for car 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.

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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.