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 including full coverage. Comprehensive insurance costs an estimated $180, collision costs $310, and liability is $306. Buying just liability costs around $348 a year, with insurance for high-risk drivers costing $1,950 or more. Teens 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:

Rates are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different Fit trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $527
• Raising to $1,000 deductibles will save approximately $110 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $906
• Selecting more expensive low deductibles will cost an additional $216 every year
• At-risk drivers with serious driving violations could pay up to $1,950 or more
• The cost that insures a teen driver with full coverage can cost as much as $3,422

View Chart as Image

Auto insurance rates for a Honda Fit can also vary considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,100 to $1,500 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 135% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $3,400 a year. View Rates by Age

Where you live also has a big influence on Honda Fit insurance prices. A middle-age driver might find rates as low as $700 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,290 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $330 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $276 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted 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 the Best Cheap Honda Fit Insurance

Saving money on car insurance consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Compare rates every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The items below are a quick review of the ideas that were touched on above.

• Teen drivers are the costliest to insure, as much as $285 per month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,040 more annually to insure their Fit
• Increasing deductibles can save approximately $325 each year
• You may be able to save approximately $110 per year simply by shopping 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.

• 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.