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 prices for a Honda Fit are $886 every 12 months including full coverage. Comprehensive costs approximately $176, collision costs $288, and liability is estimated at $312. Liability-only insurance costs approximately $352 a year, with high-risk driver insurance costing around $1,908. Teens cost the most to insure at $3,364 a year or more.

Average premium for full coverage: $886

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Fit models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why everyone should get quotes using their specific location and their own driving history, instead of making a decision based on 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 and risk scenarios.

• The cheapest rate after discounts is $518
• Choosing higher $1,000 deductibles can save $104 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $886
• Selecting pricier low deductibles for comp and collision coverage increases the price to $1,092
• Higher-risk drivers with serious driving violations could pay around $1,908 or more
• Policy cost to insure a 16-year-old driver for full coverage can cost $3,364 each year

View Chart as Image

Auto insurance rates for a Honda Fit also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Fit.

Choosing higher comprehensive and collision insurance deductibles can save as much as $310 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $281 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $3,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,100 to $1,500 in extra premium every year, depending on your age. Honda Fit insurance for high-risk drivers ranges from 45% to 138% more than the average policy. View High Risk Driver Rates

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 $680 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,270 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, and quoted 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 Shop for Low Cost Honda Fit Insurance

Finding cheaper rates on insurance for a Honda Fit takes being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a review of the ideas that were covered in the above illustrations.

• Teen drivers have the highest car insurance rates, with premiums being up to $280 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations could be charged and average of $1,020 more per year to insure their Fit
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• You may be able to save around $100 per year simply by quoting online well ahead of the renewal date

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.