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 $906 every 12 months including full coverage. Comprehensive insurance costs around $180, collision insurance costs $310, and liability is $306. A policy with just liability insurance costs around $348 a year, and coverage for high-risk drivers costs $1,950 or more. Teens pay the highest rates at up to $3,422 a year.

Average premium for full coverage: $906

Price estimates for individual coverage:

Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Fit trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of using averaged prices.

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

More Rate Details

The chart below breaks down average Honda Fit insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $527
• Raising to $1,000 deductibles will save about $110 every year
• The average price for the average middle-age driver using $500 deductibles is $906
• Selecting more expensive low deductibles costs an extra $216 every year
• At-risk drivers with serious driving violations could pay at least $1,950
• The price to insure a teen driver with full coverage can be $3,422

View Chart as Image

Insurance prices for a Honda Fit are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

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

An older driver with a clean driving record and higher deductibles may pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $3,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,100 to $1,500 extra each 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

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

View Chart as Image

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 car insurance consists of having a good driving record, having good credit, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a quick review of the primary concepts that were touched on above.

• You may be able to save up to $110 per year just by shopping early and online
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,040 more every year to buy Honda Fit insurance
• Increasing physical damage deductibles could save as much as $325 each year
• Drivers age 20 and younger pay higher prices, possibly costing $285 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.