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.

Average insurance rates for a Honda Fit are $886 a year for full coverage insurance. Comprehensive costs approximately $176 each 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 around $1,908. Teenage drivers receive the highest rates at $3,364 a year or more.

Average premium for full coverage: $886

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Fit models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why all drivers should compare prices using their specific location, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $518
• Using higher $1,000 deductibles will save $104 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $886
• Using low deductibles for physical damage coverage bumps up the cost to $1,092
• High-risk insureds who are prone to accidents and violations could pay around $1,908 or more
• The cost that insures a 16-year-old driver can cost $3,364 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,100 to $1,500 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 45% to 138% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $800 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,300 a year. View Rates by Age

Where you live has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates as low as $580 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,200 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $310 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $281 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.

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

Saving money on insurance for a Honda Fit requires being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below is a brief recap of the primary concepts that were raised in the charts and tables above.

• It is possible to save around $100 per year simply by quoting online in advance
• Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,020 more per year for auto insurance
• Increasing deductibles can save approximately $300 each year
• Teenage drivers have the highest car insurance rates, costing up to $280 per month if the policy includes full coverage

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.