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.

U.S. average insurance prices for a Honda Fit are $932 every 12 months for full coverage insurance. Comprehensive insurance costs on average $188 a year, collision costs $330, and liability coverage costs around $304. A policy with just liability insurance costs as low as $346 a year, with coverage for high-risk drivers costing $2,006 or more. Teenage drivers pay the highest rates at $3,500 a year or more.

Average premium for full coverage: $932

Price estimates by individual coverage:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Fit trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on car insurance rates.

The ranges above illustrate why it is important to compare prices based on a specific location and their own driving history, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $541
• Using higher $1,000 deductibles will save around $814 each year
• The average price for the average middle-age driver with $500 deductibles is $932
• Using low $100 deductibles for physical damage coverage costs an extra $226 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,006 or more
• The price to insure a teenage driver may cost $3,500 or more

View Chart as Image

Insurance prices for a Honda Fit are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Fit.

Using high physical damage deductibles could cut prices by as much as $350 a year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $273 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $900 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $3,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,100 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 132% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices may be quite 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 the Best Cheap Honda Fit Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, having good credit, not filing small claims, and bundling your home and auto policies. Make time to compare rates at every policy renewal by getting price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a quick review of the data touched on in this article.

• Consumers who require higher levels of liability will pay an extra $330 annually to increase from a low limit to a 250/500 level
• It is possible to save as much as $110 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $350 each year
• Teenage drivers pay the highest prices, as much as $292 a month if they have full coverage

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.