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. Comprehensive insurance costs on average $180 a year, collision insurance costs $310, and liability is estimated at $306. Liability-only coverage costs approximately $348 a year, and high-risk coverage costs $1,950 or more. Teenage drivers cost the most to insure at up to $3,422 a year.

Average premium for full coverage: $906

Policy rates by type of insurance:

Rate estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Fit trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

The examples above show why it is important to get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $527
• Choosing higher $1,000 deductibles can save around $796 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $906
• Using low $100 deductibles for comp and collision coverage costs an additional $216 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $1,950
• Policy cost with full coverage for a teen driver may cost $3,422 each year

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $900 annually 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 could be paying at a minimum $1,100 to $1,500 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $330 every year, while buying higher liability limits will cost you more. Going 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 plays a big part in determining prices for Honda Fit insurance prices. A good driver about age 40 could pay as low as $600 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,290 on average in Michigan, Louisiana, and New York.

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 the Best Honda Fit Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below is a brief recap of the primary concepts that were presented in the illustrations above.

• Drivers can save as much as $110 per year just by quoting early and online
• Higher risk drivers who tend to receive serious violations may be required to pay an average of $1,040 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Teenage drivers pay higher rates, costing up to $285 each month if they have full coverage

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.