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 $932 every 12 months for full coverage. Comprehensive insurance costs on average $188, collision insurance costs $330, and liability insurance costs around $304. Liability-only coverage costs as low as $346 a year, and high-risk coverage costs $2,006 or more. Teenage drivers cost the most to insure at up to $3,500 a year.

Average premium for full coverage: $932

Policy rates by type of insurance:

Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Fit models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities. The example below illustrates how your location can change car insurance rates.

The examples above show why everyone should compare prices based on a specific location and their own driving history, rather than relying on average rates.

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

More Rate Details

The chart below shows average Honda Fit insurance rates for different risk profiles and scenarios.

• The best discount rate is $541
• Using higher $1,000 deductibles will save around $118 a year
• The average price for a good driver age 40 with $500 deductibles is $932
• Using pricier low deductibles for physical damage coverage costs an extra $226 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,006
• Policy cost to insure a teen driver for full coverage may cost $3,500 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $350 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $273 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $3,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,100 to $1,500 additional every year, depending on your age. Honda Fit insurance for high-risk drivers can be anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Honda Fit insurance rates. A driver around age 40 might see rates as low as $620 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,330 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Affordable Honda Fit Insurance

Finding cheaper rates on Honda Fit insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around every other policy renewal by getting quotes from direct carriers, and also from local independent and exclusive agents.

The following is a brief review of the ideas that were illustrated above.

• Teens pay higher rates, costing up to $292 each month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions pay an average of $1,070 more each year for Fit insurance
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Drivers can save as much as $110 per year just by quoting online well ahead of the renewal date

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.