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 auto insurance rates for a Honda Fit are $886 annually for full coverage. Comprehensive costs an estimated $176 each year, collision costs $288, and liability costs around $312. A policy with just liability insurance costs as low as $352 a year, with coverage 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 broken down by individual coverage type:

Prices are based on $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Fit models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.

The graphic below illustrates how where you live affects insurance prices.

These examples show why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below shows estimated Honda Fit insurance rates for other coverage scenarios.

• The best discount rate is $518
• Using higher $1,000 deductibles will save approximately $104 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $886
• Using low deductibles for physical damage coverage will cost $1,092
• High-risk insureds who are prone to accidents and violations could pay up to $1,908 or more
• The cost with full coverage for a 16-year-old driver can cost as much as $3,364 or more

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $800 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $3,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,100 to $1,500 additional 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

Using high physical damage deductibles could cut rates by as much as $310 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $281 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates as low as $590 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,270 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and rates can be significantly different 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 Affordable Honda Fit Insurance

Saving money on insurance for a Honda Fit requires having a good driving record, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Take the time to comparison shop every year by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a brief review of the coverage data touched on in the above illustrations.

• Drivers can save approximately $100 per year simply by quoting online in advance
• Increasing deductibles could save up to $300 each year
• Drivers age 20 and younger are expensive to insure, costing as high as $280 per month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,020 more annually to buy Honda 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.

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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.