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

Average premium for full coverage: $906

Policy rates by type of insurance:

Estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and 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 a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location impacts car insurance rates.

The examples above illustrate why all drivers should compare rates quotes based on a specific location and risk profile, instead of using averaged prices.

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

Additional Charts and Tables

The chart below illustrates estimated 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 average rate for a good driver age 40 with $500 deductibles is $906
• Selecting low deductibles will increase the cost to $1,122
• At-risk drivers with serious driving violations could pay upwards of $1,950 or more
• Policy cost for 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 your risk profile, the model year and trim level, and policy deductibles and limits.

More mature drivers with no violations or accidents and high 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 good drivers should be prepared to pay upwards of $3,400 a year. View Rates by Age

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

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 limit to a 250/500 limit will raise rates by up to $276 more each 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 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

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, and 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 Low Cost Honda Fit Insurance

Finding cheaper rates on car insurance consists of being a good driver, having a good credit history, being claim-free, and insuring your home and auto with the same company. Spend time shopping around every couple of years by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a review of the material that was touched on above.

• Policyholders who require an increased level of liability coverage will pay approximately $340 annually to raise from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 pay higher rates, possibly costing $285 each month including comprehensive and collision insurance
• Higher risk drivers who have several accidents or serious violations pay an average of $1,040 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save around $325 each year

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.