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 prices for a Honda Fit are $932 every 12 months for full coverage insurance. Comprehensive costs on average $188 a year, 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. Teens receive the highest rates at $3,500 a year or more.

Average premium for full coverage: $932

Rate estimates by individual coverage type:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Fit trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates how your location can change car insurance rates.

These examples illustrate why it is important to compare prices based on a specific location and their own driving history, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $541
• Using higher $1,000 deductibles will save around $814 each year
• The average price for a 40-year-old driver with $500 deductibles is $932
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,158
• Drivers with serious driving violations could pay upwards of $2,006 or more
• The cost to insure a teen driver may cost $3,500 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $350 every year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $273 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $900 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $3,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,100 to $1,500 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates as low as $610 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,260 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, 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 Shop for Affordable Honda Fit Insurance

Saving money on car insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around every time your policy renews by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a brief review of the information illustrated above.

• It is possible to save as much as $110 per year simply by quoting early and online
• Teen drivers pay higher rates, costing up to $292 per month if full coverage is included
• Increasing deductibles could save as much as $350 each year
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,070 more each year to insure their Fit
• Policyholders who require more liability coverage will pay approximately $330 annually to increase from a minimum limit to a 250/500 level

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.