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 for full coverage. Comprehensive costs around $176 a year, collision insurance costs $288, and liability is $312. Liability-only insurance costs around $352 a year, and high-risk driver insurance costs around $1,908. Teen drivers cost the most to insure at up to $3,364 a year.

Average premium for full coverage: $886

Policy rates for type of insurance:

Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Fit trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above show why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based on price averages.

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

More Rate Information

The chart below shows average Honda Fit insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $518
• Raising to $1,000 deductibles will save about $782 a year
• The average rate for a good driver age 40 using $500 deductibles is $886
• Choosing low $100 deductibles will increase the cost to $1,092
• Drivers with multiple violations and an at-fault accident could pay at least $1,908
• Policy cost for full coverage for a 16-year-old driver can be $3,364

View Chart as Image

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

Older drivers with a good driving record and high deductibles may pay as low as $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $3,300 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 Idaho, Maine, and Iowa, or as much as $1,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $310 annually, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $281 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 could be paying at least $1,100 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 138% more than average. View High Risk Driver Rates

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 Best Honda Fit Insurance

Finding cheaper rates on insurance for a Honda Fit consists of being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below is a brief recap of the material that was covered in the above illustrations.

• Insureds who may need higher levels of liability will pay about $340 each year to raise from a 30/60 limit to 250/500 limits
• Teenage drivers are expensive to insure, costing up to $280 each month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations may be required to pay an average of $1,020 more every year for auto insurance
• Increasing comprehensive and collision deductibles can save around $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.

• 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.