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 $886 a year for full coverage. Comprehensive costs approximately $176, collision insurance costs $288, and liability coverage costs around $312. Liability-only insurance costs as low as $352 a year, and high-risk driver insurance costs around $1,908. Teen drivers cost the most to insure at up to $3,364 a year.

Average premium for full coverage: $886

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical 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 large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas. The example below illustrates how location impacts auto insurance prices.

The examples above show why everyone should compare prices using their specific location and risk profile, rather than using price averages.

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

Additional Rate Information

The chart below shows average 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 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $886
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,092
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,908
• Policy cost for full coverage for a teenage driver for full coverage can cost $3,364 or more

View Chart as Image

Auto insurance rates for a Honda Fit also range considerably based on your risk profile, the trim level of your Fit, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $3,300 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 $590 a year in states like Iowa, Maine, and Idaho, or as much as $1,270 on average in New York, Louisiana, and Michigan.

View Chart as Image

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

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,100 to $1,500 in extra premium every year, depending on your age. Honda Fit insurance for high-risk drivers can be around 45% to 138% more than average. View High Risk Driver Rates

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 Cheapest Honda Fit Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a recap of the data touched on above.

• Consumers who purchase more liability coverage will pay about $340 each year to increase from a 30/60 limit to 250/500 limits
• Drivers can save around $100 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $300 each year
• Teen drivers have the highest car insurance rates, costing up to $280 each month if they have 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.