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 auto insurance rates for a Honda Fit are $932 annually including full coverage. Comprehensive costs on average $188, collision costs $330, and liability costs around $304. A policy with just liability insurance costs as low as $346 a year, with coverage for high-risk drivers costing around $2,006. Teen drivers receive the highest rates at $3,500 a year or more.

Average premium for full coverage: $932

Rate estimates by individual coverage type:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all Fit models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates the difference location can make on car insurance rates.

These examples highlight why everyone should compare prices based on a specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $541
• Using higher $1,000 deductibles will save around $118 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $932
• Choosing pricier low deductibles for physical damage coverage will cost $1,158
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,006 or more
• The cost with full coverage for a teen driver for full coverage may cost $3,500 or more

View Chart as Image

Insurance rates for a Honda Fit can also vary considerably based on the trim level of your Fit, your driving characteristics, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $3,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,500 additional per year, depending on your age. Honda Fit insurance for high-risk drivers can be as much as 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $350 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $273 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,330 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, and rates can be significantly different 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 Right Honda Fit Insurance

Saving money on car insurance requires having a decent driving record, having good credit, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates at least once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a quick rundown of the primary concepts that were touched on in this article.

• You may be able to save as much as $110 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,070 more each year than a driver with a clean driving record
• Increasing deductibles could save up to $350 each year
• 16 to 18-year-old drivers pay higher rates, as much as $292 per month if they have full coverage

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.