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 $886 a year including full coverage. Comprehensive costs an estimated $176 a year, collision costs $288, and liability insurance costs around $312. Liability-only coverage costs as low as $352 a year, with high-risk coverage costing around $1,908. 16-year-old 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:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist 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 has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates how location impacts insurance prices.

The examples above highlight why it is important to compare prices for a targeted area, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $518
• Using higher $1,000 deductibles will save approximately $782 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $886
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,092
• Drivers with multiple tickets or accidents could pay up to $1,908 or more
• Policy cost that insures a teen driver can cost as much as $3,364 or more

View Chart as Image

Insurance rates for a Honda Fit also range considerably based on the trim level of your Fit, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,100 to $1,500 additional every year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 138% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $3,300 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $310 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $281 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and rates will be varied.

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 Cheaper Honda Fit Insurance

Finding cheaper rates on Honda Fit insurance requires avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop every couple of years by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The list below is a condensed summary of the material that was touched on above.

• Drivers who want higher liability limits will pay around $340 per year to increase from a 30/60 limit to the 250/500 level
• Teenagers are expensive to insure, with premiums being up to $280 each month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents could be charged and average of $1,020 more annually for car insurance
• Increasing comprehensive and collision deductibles can save approximately $300 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.

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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.