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Overpaying on car insurance?

Overpaying on car insurance?

Honda Fit Insurance Cost

honda fit insurance cost
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The Honda Fit is a small, capable subcompact hatchback that provides drivers with excellent gas mileage. If you’re looking for car insurance for your Fit, you may benefit from researching various factors that affect your potential insurance rate. For example, many companies base their insurance prices according to a driver’s age, location, desired policy coverage, and the model’s age. Some insurance companies may also consider your marital status and driving history. Read more about price differences according to several factors and the most affordable companies for Honda Fit insurance.

How Does Insurance For the Fit Differ From Other Honda Models?

According to ValuePenguin, the average annual cost to insure a Honda Fit is just $34 more expensive than the average across all Honda models. Small cars are typically more expensive to insure than large ones. It’s a matter of physics. In a crash, the smaller, lighter car is going to suffer more damage than the larger, heavier one. However, the Fit’s five-star overall NHTSA safety rating as well as its good IIHS crashworthiness rating help counteract this. The Fit also includes six airbags, as well as driver assistance technologies such as adaptive cruise control, lane departure warning, and electronic stability control. Despite its size, the Honda Fit is a safe car, and its insurance rates are lower than some other small cars as a result.

Average Honda Fit Insurance Cost

On average, you can expect to pay around $1,148 a year or $96 per month in full coverage insurance costs according to Expert Insurance Reviews. This is $228 cheaper than the cost of insurance for an average compact car. If you prefer just liability or collision coverage, this number gets even smaller. A liability-only policy will cost around $460 a year or $38 per month.

Honda Fit Insurance Cost Comparisons

When compared to other vehicles of similar size, the Honda Fit ranks as one of the cheapest cars to insure. Here’s a list of similar vehicles and how their insurance rates compare to that of the Fit according to Insuraviz:

  • Honda Fit: $1,180
  • Toyota Corolla: $1,204
  • Subaru Impreza: $1,264
  • Nissan Sentra: $1,298
  • Honda Civic: $1,334
  • Kia Rio: $1,346
  • Hyundai Accent: $1,358
  • Mitsubishi Mirage G4: $1,520
  • Hyundai Elantra: $1,592
  • Toyota Mirai: $1,746

Insurance Cost Based on Trim Level

You may experience different rates depending on which Honda Fit trim level you purchased. Lower trim levels often come with fewer technology features, while upper trim levels typically feature the most comfort, entertainment, technology, and safety attributes. Upper trim levels may cost more to insure because the insurance company may have to pay more to replace or repair additional features. Here’s a list of Fit trim levels and their average insurance costs:

  • LX Hatchback: $1,132 per year or $94 per month
  • Sport Hatchback: $1,162 per year or $97 per month
  • EX Hatchback: $1,188 per year or $99 per month
  • EX-L Hatchback: $1,234 per year or $103 per month

Insurance Cost By Model Year

You can typically save on insurance by purchasing an older Fit model because these often cost less to insure. For example, a 2013 model costs $206 less annually to insure than a 2020 model. Here’s a list that describes the average yearly insurance cost for a 30-year-old driver based on the model year:

  • 2020: $1,226
  • 2019: $1,162
  • 2018: $1,242
  • 2017: $1,118
  • 2016: $1,088
  • 2015: $1,020
  • 2014: $1,328
  • 2013: $1,006
  • 2012: $972
  • 2011: $932
  • 2010: $906

Insurance Rates By Age

On average, younger drivers pay higher rates than drivers over 50 years old. Many insurance companies consider teen drivers to be “high risk” drivers due to their lower experience level. For example, a 16-year-old male will typically pay around $4,350 for car insurance per year. A 16-year-old female will typically pay around $3,840 per year. Luckily, insurance rates typically decrease steadily as drivers get older. Here’s a list that describes the average insurance price according to a driver’s age:

  • Teen: $4,196
  • 20-29: $2,603
  • 30-39: $1,199
  • 40-49: $1,148
  • 50-59: $1,047
  • 60+: $1,025

Insurance Rates by Location

A driver’s location may also affect their insurance rate. People who live in larger cities often pay more than people who live in rural areas, small towns, and suburbs. If you live outside a large city, you may benefit from researching the average insurance rates for your specific area to gain a better understanding of what you may pay. Consider this list of cities in the US to learn about general insurance costs in your area:

  • Los Angeles, California: $1,963
  • New York, New York: $1,814
  • Houston, Texas: $1,799
  • Jacksonville, Florida: $1,665
  • Philadelphia, Pennsylvania: $1,538
  • Chicago, Illinois: $1,515
  • Phoenix, Arizona: $1,332
  • Seattle, Washington: $1,114
  • Indianapolis, Indiana: $976
  • Columbus, Ohio: $953

Cheapest Insurance Rates by Company

Review this list of companies to learn more about potential insurance rates you may enjoy based on your Fit model:

  • Allied: $763
  • Vermont Mutual: $1,025
  • Nationwide: $1,105
  • GEICO: $1,120
  • USAA: $1,245
  • Erie: $1,251
  • Country: $1,316
  • Mercury: $1,328
  • Progressive: $1,344
  • State Farm: $1,357
  • Arbella: $1,371
  • Tennessee Farmers: $1,389

How to Save Money on Insurance

If you’re shopping around for car insurance for your Honda Fit model, one way to save money is by asking your preferred insurance company if they offer loyalty discounts or other types of discounts. For example, people who have served in the military, educators, students, members of professional organizations, and people with certain disabilities may receive special offers on car insurance. You may also consider bundling your home and auto insurance. Review your existing car insurance plan to ensure that you’re paying for the services you need and not overpaying for features or aspects you don’t want.

Finding the right type of insurance for your Honda Fit can provide you with peace of mind because you know you’re paying the best rate for the services you want and need. Learning more about insurance costs with varying driver and vehicle factors may help you make a better-informed decision for an insurance provider.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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