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.

The average insurance rates for a Honda Fit are $906 a year including full coverage. Comprehensive insurance costs on average $180 a year, collision insurance costs $310, and liability costs around $306. Buying just liability costs as low as $348 a year, and insurance for high-risk drivers costs $1,950 or more. 16-year-old drivers cost the most to insure at up to $3,422 a year.

Average premium for full coverage: $906

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Fit trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates how geographic area affects car insurance rates.

The examples above highlight why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $527
• Using higher $1,000 deductibles will save around $796 every year
• The average rate for a good driver age 40 with $500 deductibles is $906
• Buying low $100 deductibles for physical damage coverage will cost an extra $216 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $1,950
• Policy cost for full coverage for a 16-year-old driver may cost $3,422 or more

View Chart as Image

Insurance rates for a Honda Fit also range considerably based on your risk profile, the model of your Fit, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $3,400 a year. View Rates by Age

Your home state has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,290 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $330 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $276 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,100 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can be from 44% to 135% more than the average rate. View High Risk Driver Rates

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 the Best Cheap Honda Fit Insurance

Finding cheaper rates on insurance for a Honda Fit requires avoiding accidents and claims, maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Invest the time to compare rates every year by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a quick review of the coverage data presented in the illustrations above.

• You may be able to save as much as $110 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers under the age of 20 pay the highest rates, with premiums being up to $285 each month for full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,040 more each year to insure a Honda Fit

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.