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 $932 a year with full coverage. Comprehensive insurance costs approximately $188 a year, collision costs $330, and liability insurance is $304. A liability-only policy costs around $346 a year, with high-risk insurance costing $2,006 or more. Teenage drivers receive the highest rates at $3,500 a year or more.

Average premium for full coverage: $932

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and Fit trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples demonstrate why it is important to compare rates quotes using their specific location, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $541
• Raising to $1,000 deductibles will save $814 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $932
• Using low $100 deductibles will cost an additional $226 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,006 or more
• The cost that insures a teen driver can cost $3,500

View Chart as Image

Insurance rates for a Honda Fit can also vary considerably based on the trim level of your Fit, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,100 to $1,500 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,500 a year. View Rates by Age

Where you live also has a big influence on Honda Fit insurance rates. A middle-age driver might find rates as low as $670 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,260 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $350 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $273 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the 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 Cheapest Honda Fit Insurance

Saving money on Honda Fit insurance consists of avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices at least every other year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a recap of the car insurance concepts covered in the above illustrations.

• High-risk drivers that have major violations or accidents may have to pay on average $1,070 more per year for car insurance
• You may be able to save around $110 per year simply by quoting early and online
• Increasing deductibles can save approximately $350 each year
• Drivers who purchase higher liability limits will pay an extra $330 every year to raise 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.

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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.