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.

Estimated insurance prices for a Honda Fit are $906 every 12 months with full coverage. Comprehensive insurance costs on average $180 a year, collision costs $310, and liability costs around $306. A liability-only policy costs as low as $348 a year, with high-risk insurance costing $1,950 or more. Teenage drivers pay the most at $3,422 a year or more.

Average premium for full coverage: $906

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Fit trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than densely populated cities.

The diagram below illustrates how location impacts car insurance rates.

These rate differences demonstrate why it is important to compare prices based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Details

The chart below details estimated Honda Fit insurance rates for different risk profiles and scenarios.

• The best discount rate is $527
• Using higher $1,000 deductibles will save around $796 annually
• The average price for a 40-year-old good driver with $500 deductibles is $906
• Using low $100 deductibles for physical damage coverage costs an extra $216 every year
• Drivers who are prone to accidents and violations could pay upwards of $1,950 or more
• An auto insurance policy to insure a teen driver may cost $3,422 or more

View Chart as Image

Auto insurance prices for a Honda Fit also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Fit.

Using high physical damage deductibles could cut prices by as much as $330 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $276 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $3,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,100 to $1,500 in extra premium annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Honda Fit insurance prices. A driver around age 40 might see prices as low as $650 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,220 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

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 Cheaper Honda Fit Insurance

Finding better rates on car insurance requires being a good driver, having a good credit score, being claim-free, and taking advantage of discounts. Spend time shopping around once a year by quoting rates from direct companies, and also from local exclusive and independent agents.

The following list is a condensed summary of the data that was touched on above.

• You may be able to save as much as $110 per year simply by quoting early and online
• Policyholders who require an increased level of liability coverage will pay an extra $340 every year to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 are charged the highest prices, possibly costing $285 per month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents may pay on average $1,040 more each year than a safer driver

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
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• 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.