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.

Estimated insurance rates for a Honda Fit are $906 a year with full coverage. Comprehensive insurance costs around $180 each year, collision costs $310, and liability coverage costs $306. A liability-only policy costs as little as $348 a year, with high-risk insurance costing $1,950 or more. Teens pay the most at $3,422 a year or more.

Average premium for full coverage: $906

Premium estimates for type of coverage:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and Fit models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects auto insurance rates.

These rate differences demonstrate why all drivers should compare rates for a specific zip code and risk profile, rather than using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $527
• Drivers who choose higher $1,000 deductibles will pay about $110 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $906
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $216 each year
• High-risk insureds with serious driving violations could pay at least $1,950 or more
• An auto insurance policy for full coverage for a teenage driver can be $3,422 a year

View Chart as Image

Auto insurance prices for a Honda Fit also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $3,400 a year. View Rates by Age

Where you choose to live makes a big difference in Honda Fit insurance rates. A 40-year-old driver could pay as low as $650 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,220 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $330 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $276 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,100 to $1,500 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 135% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to do a rate comparison and see how they stack up. Every company calculates prices differently, and quoted prices will be substantially 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

Finding better rates on auto insurance not only requires being a good driver, but also having good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a summary of the ideas that were touched on in the above illustrations.

• Drivers age 16 to 20 are expensive to insure, possibly costing $285 per month if they have full coverage
• Drivers who have multiple accidents or major violations pay an average of $1,040 more every year than a safer driver
• Increasing policy deductibles can save around $325 each year
• You may be able to save up to $110 per year simply by quoting online in advance

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.