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 auto insurance rates for a Honda Fit are $886 annually including full coverage. Comprehensive insurance costs an estimated $176 a year, collision costs $288, and liability costs around $312. A liability-only policy costs as low as $352 a year, with high-risk insurance costing $1,908 or more. Teenage drivers cost the most to insure at $3,364 a year or more.

Average premium for full coverage: $886

Policy rates broken down by type of insurance:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Fit trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference location can make on insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $518
• Using higher $1,000 deductibles will save approximately $782 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $886
• Using low $100 deductibles for physical damage coverage costs an additional $206 every year
• Drivers who are prone to accidents and violations could pay up to $1,908 or more
• Policy cost with full coverage for a teen driver can cost as much as $3,364 or more

View Chart as Image

Car insurance rates for a Honda Fit also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,100 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 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 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $281 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates as low as $680 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,270 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes will be varied 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 Cheap Honda Fit Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Make time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a brief summary of the information touched on in this article.

• You may be able to save approximately $100 per year simply by quoting early and online
• Teen drivers have the highest car insurance rates, with premiums being up to $280 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,020 more annually to insure their Fit
• Policyholders who want more liability coverage will pay an extra $340 per year to increase from a 30/60 limit to higher 250/500 limits

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
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• 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.