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 $906 annually for full coverage insurance. Comprehensive insurance costs on average $180 each year, collision insurance costs $310, and liability is $306. Liability-only coverage costs around $348 a year, and high-risk coverage costs $1,950 or more. Teens cost the most to insure at up to $3,422 a year.

Average premium for full coverage: $906

Policy rates by type of insurance:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Fit models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $527
• Raising to $1,000 deductibles will save around $110 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $906
• Selecting low deductibles costs an additional $216 every year
• At-risk drivers with serious driving violations could pay upwards of $1,950
• Policy cost with full coverage for a teen driver may cost $3,422

View Chart as Image

Insurance rates for a Honda Fit also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $3,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,500 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $330 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $276 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda Fit insurance prices. A middle-age driver might find rates as low as $590 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,220 on average in Michigan, New York, and Florida.

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 Buy Cheap Honda Fit Insurance

Finding cheaper rates on car insurance consists of being a good driver, having good credit, being claim-free, and dropping full coverage on older vehicles. Take the time to compare rates at least every other year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief summary of the car insurance concepts covered in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,040 more each year than a safer driver
• It is possible to save as much as $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Policyholders who require an increased level of liability coverage will pay approximately $340 annually to raise 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
• 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.