How much is car insurance for a Honda Fit?
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UPDATED: May 14, 2019
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If you are thinking of buying Honda’s entry-level subcompact the Honda Fit, take a moment to read on before you compare car insurance quotes.
We’ll review some of the main considerations and features you might wish to take into account as you make your purchase decision, and we’ll help you make sense of the car insurance quotes by detailing some of the Honda’s safety features and other variables that go into the price of insurance for this popular subcompact hatchback.
The Honda Fit is available in three versions: the base model Fit, Fit Sport and the Fit Sport with Navigation.
About the Honda Fit
Since its introduction to the American auto market in 2007, the Honda Fit has become a respected player in the small car category, earning a spot on Car and Driver’s coveted “10 Best Cars” list every year since the Fit was introduced.
This year, 2011, is no exception: Industry accolades keep pouring in, citing its fuel economy, fun-to-drive Honda attitude, clever and generous storage configurations, roomy rear seating, solid safety features and great resale value.
The Honda Fit was named US News “Best Hatchback for the Money” as well as a Consumer Guide “2011 Best Buy.” Furthermore, the Insurance Institute for Highway Safety has awarded favorable safety ratings to recent year Fit models.
Back in 2009, the car reviewers at Edmunds car website undertook a comprehensive comparison of the Fit and the Honda Civic Hybrid using top-of-the-line versions of each, and found the Fit to be superior in terms of driving, storage, practicality and overall value.
This was their finding despite taking into account the Civic Hybrid’s well-known superior fuel economy.
There are a few negative comments amid all the praise, such as excessive road noise, a somewhat harsh ride and a slightly higher sticker price than comparable subcompacts.
Starting at $15,900, the base model Fit is indeed a little more expensive than some of its competitors in the subcompact category.
The Fit Sport and Fit Sport with Navigation are even pricier, starting at $17,710 and $19,240 respectively.
When comparing the Fit to other subcompact choices, it’s a good idea to ask yourself what you’re getting for the extra sticker price.
If you speak with devoted Honda owners or are familiar with the experience of driving Hondas then you know that Honda reliability, quality, excellent handling and safety are very real attributes that Honda drivers appreciate year in and year out.
When driving a Fit, you do feel as though you are driving a real Honda despite the small size – the quality shows through. What you must put up with in terms of road noise and firm ride is balanced out for many drivers by the tight, sporty and sure-footed feel.
Consider as well that the well-designed roomy cargo space and comfortable seating mean this car can give you the impression of owning a larger compact car or even a small minivan because of its spacious practicality and solid ride.
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How much is auto insurance for the Honda Fit?
Another factor to consider regarding the purchase price of the Fit is that the base model in particular is, on average, not one of the most expensive subcompact cars to insure.
With national average car insurance rates for the Honda Fit at just under $1300 annually, insuring the base model Fit costs noticeably less than insuring some other subcompact cars such as the Mini Cooper, the Kia Rio and the Hyundai Accent.
All other factors being equal, this can partially offset the purchase cost over time. Although the Fit Sport is more expensive to insure, its national average is still within the normal price range for subcompact car insurance.
Looking more closely at variables affecting the insurance cost, we need to take into account the state in which the car is garaged and driven, driver age, driving record, intended use and mileage, and which trim level is being insured, because different trim levels may include more or fewer safety features as well as anti-theft components.
For example, the average cost of insuring a base model Fit can be as little $800 per year in Maine or Vermont, or it can cost double or more in states like Michigan, Louisiana, Oklahoma or California.
High mileage, a young driver and a driving record with moving violations or accidents can increase the premium price significantly.
With the Fit Sport and the Fit Sport Navigation, the extra insurance cost over the base model is no doubt based on the tendency for theft of the 16″ alloy wheels and insurance companies’ belief that these model attract a speedier, more fun-loving driver.
Honda Fit Safety Features
On the plus side, the following safety features found on the Honda Fit go a long way to providing car insurance discounts and lowering the overall insurance cost:
- Honda’s award winning ACE body structure
- Front side airbags with a passenger-side Occupant Position Detection System (OPDS)
- Anti-lock Brakes (ABS)
- Front 3-point seat belts w/ Automatic Tensioning System
- Vehicle Stability Assist with Traction Control
- Active Head Restraints
- Side curtain airbags
- Dual-stage, Multiple-Threshold Front Airbags (SRS)
- Outboard Lower Anchors and Tethers for Children (LATCH)
These features come standard on all Fit models and exemplify Honda’s longstanding commitment to safety in all its vehicles.
Year after year the Honda Fit has proved itself, and there is a reason to be optimistic that its insurance costs will continue to be reasonable in comparison to other subcompact cars sold in America.
To find out what it will cost to insure a Honda Fit in your area, simply type your zip code in the box above to compare car insurance companies.