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 $906 a year for full coverage. Comprehensive costs an estimated $180 a year, collision costs $310, and liability coverage is $306. A policy with just liability insurance costs around $348 a year, with coverage for high-risk drivers costing around $1,950. Teenage drivers receive the highest rates at $3,422 a year or more.

Average premium for full coverage: $906

Rate estimates broken down by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Fit trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how your location can change insurance prices.

These examples show why it is important to compare rates quotes for a targeted area, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $527
• Raising to $1,000 deductibles will save approximately $796 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $906
• Using low $100 deductibles bumps up the cost to $1,122
• Unlucky drivers who are prone to accidents and violations could pay up to $1,950 or more
• The cost that insures a teenage driver can cost as much as $3,422

View Chart as Image

Insurance rates for a Honda Fit can also vary considerably based on the trim level of your Fit, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,100 to $1,500 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $3,400 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 $600 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,290 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $330 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $276 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, and 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 Low Cost Honda Fit Insurance

Saving money on auto insurance consists of having a decent driving record, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Compare prices at every other renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a review of the concepts that were illustrated above.

• Drivers who have several accidents or serious violations may pay on average $1,040 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, costing as high as $285 per month if comprehensive and collision insurance is included
• Drivers can save approximately $110 per year simply by quoting early and online
• Increasing deductibles can save approximately $325 each year
• Drivers can save approximately $110 per year simply by quoting early and online

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.