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 $906 a year including full coverage. Comprehensive insurance costs around $180 a year, collision costs $310, and liability costs around $306. Liability-only insurance costs as low as $348 a year, with high-risk driver insurance costing $1,950 or more. Teens cost the most to insure at $3,422 a year or more.

Average premium for full coverage: $906

Policy rates for type of insurance:

Includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. 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 insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code and risk profile, instead of using averaged prices.

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

Additional Rate Details

The chart below breaks down estimated Honda Fit insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $527
• Using higher $1,000 deductibles will save about $796 every year
• The average rate for a good driver age 40 using $500 deductibles is $906
• Selecting low $100 deductibles for physical damage coverage will cost an extra $216 every year
• Drivers with serious driving violations could pay at least $1,950 or more
• Policy cost for full coverage for a teen driver can be $3,422 or more

View Chart as Image

Auto insurance rates for a Honda Fit also range considerably based on your risk profile, the model of your Fit, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $3,400 a year. View Rates by Age

Your home state has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,290 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $330 every year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $276 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 are likely paying at least $1,100 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 135% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, and quoted rates will be varied from one company to the next.

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 car insurance requires being a good driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates at least every other year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

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

• Higher risk drivers that have major violations or accidents pay on average $1,040 more every year than a safer driver
• You may be able to save up to $110 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Policyholders who may need an increased level of liability coverage will pay approximately $340 per year to increase from a 30/60 limit to 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.