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. Comprehensive costs around $176, collision costs $288, and liability insurance costs $312. A policy with just liability insurance costs as little as $352 a year, with coverage for high-risk drivers costing around $1,908. 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:

Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different Fit trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance rates.

These examples show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $518
• Drivers who choose higher $1,000 deductibles will pay about $104 a year
• The average rate for a 40-year-old driver using $500 deductibles is $886
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,092
• High risk drivers who are prone to accidents and violations could pay at least $1,908 or more
• The cost for full coverage for a teen driver with full coverage can be $3,364 a year

View Chart as Image

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

An older driver with no violations or accidents and high deductibles could pay as little as $800 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $3,300 a year. View Rates by Age

Where you live makes a big difference in Honda Fit insurance rates. A 40-year-old driver could pay as low as $590 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $310 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $281 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,100 to $1,500 additional per year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 138% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and rates 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 More Affordable Honda Fit Insurance

Saving money on Honda Fit insurance not only requires having a good driving record, but also having a good credit history, eliminating unneeded coverage, and taking advantage of discounts. Make time to compare rates every time your policy renews by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

The next list is a summary of the information touched on in this article.

• Drivers can save up to $100 per year simply by shopping early and online
• Drivers age 20 and younger are charged the highest rates, costing as high as $280 per month including comprehensive and collision insurance
• Increasing deductibles can save around $300 each year
• High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,020 more every year to buy Honda Fit insurance
• Drivers who may need increased levels of liability coverage will pay an extra $340 each year 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.