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 auto insurance rates for a Honda Fit are $906 annually with full coverage. Comprehensive insurance costs an estimated $180 a year, collision costs $310, and liability is $306. Liability-only insurance costs around $348 a year, with high-risk driver insurance costing $1,950 or more. Teens cost the most to insure at $3,422 a year or more.

Average premium for full coverage: $906

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Honda Fit insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $527
• Raising to $1,000 deductibles will save approximately $796 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $906
• Selecting low $100 deductibles costs an additional $216 every year
• At-risk drivers with serious driving violations could pay up to $1,950 or more
• Policy cost with full coverage for a teen driver can cost as much as $3,422

View Chart as Image

Auto insurance rates for a Honda Fit also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $3,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,100 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $330 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $276 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda Fit insurance prices. A middle-age driver might find rates as low as $650 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,220 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates will be varied between companies.

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 Buy the Cheapest Honda Fit Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a recap of the coverage data presented in the illustrations above.

• You may be able to save approximately $110 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Teenagers are the costliest to insure, as much as $285 each month if full coverage is included
• Higher risk drivers that have major violations or accidents pay on average $1,040 more annually for car insurance

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.