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 including full coverage. Comprehensive insurance costs around $176 each year, collision costs $288, and liability insurance is estimated at $312. A policy with just liability insurance costs approximately $352 a year, with coverage for high-risk drivers costing $1,908 or more. Teenage drivers receive the highest rates at $3,364 a year or more.

Average premium for full coverage: $886

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Fit models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance rates.

These examples highlight why all drivers should get quotes for a specific zip code, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $518
• Choosing higher $1,000 deductibles can save about $104 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $886
• Using low deductibles for comp and collision coverage will cost an additional $206 a year
• High-risk insureds who are prone to accidents and violations could pay at least $1,908 or more
• The cost that insures a teen driver can be $3,364 each year

View Chart as Image

Insurance rates for a Honda Fit can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,100 to $1,500 additional per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 138% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $800 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $3,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Honda Fit insurance rates. A good driver about age 40 could pay as low as $680 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,270 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $310 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $281 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates can be significantly 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 Find the Best Cheap Honda Fit Insurance

Saving money on Honda Fit insurance takes avoiding accidents and claims, having a good credit score, not filing small claims, and taking advantage of discounts. Compare prices every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a quick review of the information illustrated above.

• You may be able to save up to $100 per year simply by quoting online in advance
• Drivers under the age of 20 are charged the highest rates, as much as $280 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $300 each year
• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,020 more every year to insure a Honda Fit
• Drivers who may need increased liability limits will pay an extra $340 per year to raise limits from a minimum limit to the 250/500 level

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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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.