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 insurance. Comprehensive insurance costs approximately $176 each year, collision costs $288, and liability costs $312. A liability-only policy costs as little as $352 a year, with high-risk insurance costing $1,908 or more. Teenage drivers 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 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Fit models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

The examples above illustrate why all drivers should compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below illustrates estimated Honda Fit insurance rates for additional coverage and risk scenarios.

• The best discount rate is $518
• Drivers who choose higher $1,000 deductibles will pay $104 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $886
• Using low deductibles for comprehensive and collision insurance will cost an extra $206 annually
• Drivers who are prone to accidents and violations could pay around $1,908 or more
• Policy cost for full coverage for a 16-year-old driver can cost $3,364 a year

View Chart as Image

Car insurance rates for a Honda Fit also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $3,300 a year. View Rates by Age

Your home state makes a big difference in Honda Fit insurance prices. A 40-year-old driver could pay as low as $580 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,200 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $310 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $281 extra every 12 months. 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 anywhere from $1,100 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers can cost from 45% to 138% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, so rate quotes 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 insurance for a Honda Fit not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and avoiding coverage lapses. Invest time comparing rates every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a review of the ideas that were covered in the charts and tables above.

• Teenage drivers pay the highest auto insurance rates, possibly costing $280 each month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,020 more per year for auto insurance
• Increasing comprehensive and collision deductibles can save around $300 each year
• It is possible to save around $100 per year simply by quoting online in advance

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.