Honda Fit Insurance Cost in Tennessee
Official 2026 rate study for insuring a Honda Fit in Tennessee (TN). Compare full coverage against state minimum liability (25/50/25), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Honda Fit in Tennessee (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Tennessee Auto Insurance Index)
Honda Fit Rates by Model Year in Tennessee
Depreciation schedule calculated for Tennessee insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,120 | $93/mo | $39/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,078 | $90/mo | $40/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,038 | $87/mo | $40/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,001 | $83/mo | $40/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $967 | $81/mo | $41/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $934 | $78/mo | $41/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $904 | $75/mo | $42/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $876 | $73/mo | $42/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $850 | $71/mo | $42/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $825 | $69/mo | $43/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $802 | $67/mo | $43/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $780 | $65/mo | $44/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $760 | $63/mo | $44/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $741 | $62/mo | $44/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $724 | $60/mo | $45/mo | -35% | Consider 10% Rule (Liability Only) |
Honda Fit Rates by Driver Age in Tennessee
Actuarial loss-cost surcharges and discounts applied by Tennessee carriers based on driver experience.
Estimated Quotes by Carrier: Honda Fit in Tennessee
Sample underwriting benchmarks across major carriers serving Tennessee drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $88/mo | $1,056/yr | |
| Progressive | A+ | $97/mo | $1,164/yr | |
| GEICO | A++ | $88/mo | $1,056/yr | |
| Allstate | A+ | $94/mo | $1,128/yr |
Frequently Asked Questions: Honda Fit Insurance in Tennessee
How much does it cost to insure a Honda Fit in Tennessee? ▾
Full-coverage car insurance for a Honda Fit in Tennessee averages approximately $93 per month ($1,120 per year). Drivers opting for statutory state minimum liability (25/50/25) pay approximately $39 per month ($470 per year).
Is Honda Fit insurance cheaper or more expensive in Tennessee? ▾
The Honda Fit is approximately 36.4% cheaper than the statewide average vehicle insurance rate of $1,760/year in Tennessee. Its Low actuarial risk classification and 5-star crash safety rating help keep physical damage loss ratios stable.
What are the legal minimum insurance requirements for a Honda Fit in Tennessee? ▾
Under Tennessee insurance statutes, any motor vehicle registered in the state must carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability (25/50/25).
How much does a 16-year-old pay to insure a Honda Fit in Tennessee? ▾
A 16-year-old teen driver on a standalone policy pays approximately $233/month ($2,800/year) for full coverage in Tennessee. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.
When should I drop full coverage on an older Honda Fit in Tennessee? ▾
Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In Tennessee, this typically occurs around model year 2018 or older.
Compare Honda Fit Insurance Across Other States
See how insurance rates for the Honda Fit vary across different state statutory jurisdictions.