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.

Average insurance rates for a Honda Fit are $886 a year for full coverage insurance. Comprehensive costs around $176, collision costs $288, and liability costs $312. Liability-only coverage costs as little as $352 a year, with high-risk coverage costing around $1,908. Teen drivers receive the highest rates at $3,364 a year or more.

Average premium for full coverage: $886

Rate estimates for individual coverage type:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different Fit trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates 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.

Rates by State, City, and Model

The chart below illustrates estimated Honda Fit insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $518
• Drivers who choose higher $1,000 deductibles will pay about $104 each year
• The average rate for a 40-year-old driver using $500 deductibles is $886
• Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,092
• Drivers with multiple violations and an at-fault accident could pay at least $1,908 or more
• The cost for full coverage for a 16-year-old driver with full coverage can be $3,364 a year

View Chart as Image

Car insurance rates for a Honda Fit can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as low as $800 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $3,300 a year. View Rates by Age

Where you live 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 Vermont, Wisconsin, and North Carolina, or as much as $1,200 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could save up to $310 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $281 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,100 to $1,500 extra per year, depending on your age. High-risk driver insurance can cost from 45% to 138% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to compare rates from multiple companies. Every company uses a different rate calculation, so rate quotes can be significantly different 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 the Cheapest Honda Fit Insurance

Saving money on insurance for a Honda Fit not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by requesting quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The points below are a recap of the information touched on above.

• It is possible to save up to $100 per year simply by shopping early and online
• Drivers under the age of 20 are the costliest to insure, costing up to $280 per month if full coverage is included
• Increasing deductibles can save around $300 each year
• Drivers considered higher risk that have major violations or accidents may pay on average $1,020 more every year to insure a Honda Fit
• Insureds who may need increased liability limits will pay about $340 annually to go from a minimum limit to 250/500 limits

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.