Honda Fit Insurance Rates
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UPDATED: May 11, 2024
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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.
The average insurance rates for a Honda Fit are $932 a year for full coverage insurance. Comprehensive insurance costs around $188, collision insurance costs $330, and liability coverage is estimated at $304. Liability-only coverage costs approximately $346 a year, and high-risk coverage costs $2,006 or more. Teens cost the most to insure at up to $3,500 a year.
Average premium for full coverage: $932
Policy rates for type of insurance:
Includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all Fit models.
Price Range Variability
For the normal driver, Honda Fit insurance rates range from the low end price of $346 for minimum levels of liability insurance to the much higher price of $2,006 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance rates.
The examples above illustrate why everyone should get quotes for a specific zip code, rather than using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below illustrates average Honda Fit insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $541
- Choosing higher $1,000 deductibles can save about $118 each year
- The estimated price for a good driver age 40 using $500 deductibles is $932
- Selecting pricier low deductibles for comp and collision coverage will cost an additional $226 each year
- Drivers with serious driving violations could pay at least $2,006
- Policy cost that insures a teenage driver for full coverage can be $3,500 each year
Insurance rates for a Honda Fit also range considerably based on the model of your Fit, your age and driving record, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,100 to $1,500 additional every year, depending on your age. Honda Fit insurance for high-risk drivers ranges around 43% to 132% more than the average policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $3,500 a year. View Rates by Age
Your home state plays a big part in determining prices for Honda Fit insurance rates. A good driver about age 40 could pay as low as $610 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,260 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $840 | -$92 | -9.9% |
| Alaska | $712 | -$220 | -23.6% |
| Arizona | $774 | -$158 | -17.0% |
| Arkansas | $932 | -$0 | 0.0% |
| California | $1,060 | $128 | 13.7% |
| Colorado | $886 | -$46 | -4.9% |
| Connecticut | $954 | $22 | 2.4% |
| Delaware | $1,052 | $120 | 12.9% |
| Florida | $1,162 | $230 | 24.7% |
| Georgia | $858 | -$74 | -7.9% |
| Hawaii | $668 | -$264 | -28.3% |
| Idaho | $630 | -$302 | -32.4% |
| Illinois | $694 | -$238 | -25.5% |
| Indiana | $698 | -$234 | -25.1% |
| Iowa | $628 | -$304 | -32.6% |
| Kansas | $884 | -$48 | -5.2% |
| Kentucky | $1,268 | $336 | 36.1% |
| Louisiana | $1,376 | $444 | 47.6% |
| Maine | $574 | -$358 | -38.4% |
| Maryland | $766 | -$166 | -17.8% |
| Massachusetts | $742 | -$190 | -20.4% |
| Michigan | $1,614 | $682 | 73.2% |
| Minnesota | $778 | -$154 | -16.5% |
| Mississippi | $1,114 | $182 | 19.5% |
| Missouri | $824 | -$108 | -11.6% |
| Montana | $998 | $66 | 7.1% |
| Nebraska | $734 | -$198 | -21.2% |
| Nevada | $1,116 | $184 | 19.7% |
| New Hampshire | $670 | -$262 | -28.1% |
| New Jersey | $1,038 | $106 | 11.4% |
| New Mexico | $822 | -$110 | -11.8% |
| New York | $980 | $48 | 5.2% |
| North Carolina | $534 | -$398 | -42.7% |
| North Dakota | $762 | -$170 | -18.2% |
| Ohio | $644 | -$288 | -30.9% |
| Oklahoma | $954 | $22 | 2.4% |
| Oregon | $854 | -$78 | -8.4% |
| Pennsylvania | $886 | -$46 | -4.9% |
| Rhode Island | $1,240 | $308 | 33.0% |
| South Carolina | $842 | -$90 | -9.7% |
| South Dakota | $784 | -$148 | -15.9% |
| Tennessee | $814 | -$118 | -12.7% |
| Texas | $1,122 | $190 | 20.4% |
| Utah | $688 | -$244 | -26.2% |
| Vermont | $636 | -$296 | -31.8% |
| Virginia | $558 | -$374 | -40.1% |
| Washington | $716 | -$216 | -23.2% |
| West Virginia | $854 | -$78 | -8.4% |
| Wisconsin | $644 | -$288 | -30.9% |
| Wyoming | $826 | -$106 | -11.4% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $350 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $273 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Fit | $884 | $74 |
| Honda Fit Sport | $932 | $78 |
| Honda Fit Sport VSA | $970 | $81 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Honda Fit | $240 | $474 | $284 | $1,108 |
| 2019 Honda Fit | $226 | $458 | $292 | $1,086 |
| 2018 Honda Fit | $218 | $424 | $298 | $1,050 |
| 2017 Honda Fit | $208 | $400 | $300 | $1,018 |
| 2016 Honda Fit | $200 | $358 | $304 | $972 |
| 2015 Honda Fit | $188 | $330 | $304 | $932 |
| 2014 Honda Fit | $180 | $310 | $306 | $906 |
| 2013 Honda Fit | $176 | $288 | $312 | $886 |
| 2012 Honda Fit | $164 | $268 | $312 | $854 |
| 2011 Honda Fit | $158 | $244 | $316 | $828 |
| 2010 Honda Fit | $148 | $222 | $312 | $792 |
| 2009 Honda Fit | $140 | $202 | $312 | $764 |
| 2008 Honda Fit | $134 | $182 | $310 | $736 |
| 2007 Honda Fit | $132 | $178 | $304 | $724 |
Rates are averaged for all Honda Fit models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Honda Fit Insurance
Finding cheaper rates on auto insurance takes being safe and accident-free, having a good credit score, being claim-free, and deciding if full coverage is necessary. Compare rates at least once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a recap of the primary concepts that were presented in the illustrations above.
- It is possible to save up to $110 per year just by quoting online well ahead of the renewal date
- Drivers that have major violations or accidents could be forced to pay on average $1,070 more every year than a low-risk driver
- Increasing comprehensive and collision deductibles can save approximately $350 each year
- Youthful drivers are charged the highest rates, possibly costing $292 each month if comprehensive and collision insurance is included
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,500 |
| 20 | $2,132 |
| 30 | $966 |
| 40 | $932 |
| 50 | $850 |
| 60 | $836 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,158 |
| $250 | $1,052 |
| $500 | $932 |
| $1,000 | $814 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $932 |
| 50/100 | $1,031 |
| 100/300 | $1,107 |
| 250/500 | $1,304 |
| 100 CSL | $1,061 |
| 300 CSL | $1,228 |
| 500 CSL | $1,350 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,990 |
| 20 | $3,400 |
| 30 | $2,044 |
| 40 | $2,006 |
| 50 | $1,914 |
| 60 | $1,898 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $49 |
| Multi-vehicle | $49 |
| Homeowner | $14 |
| 5-yr Accident Free | $67 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $41 |
| Advance Quote | $45 |
| Online Quote | $66 |
| Total Discounts | $391 |
Discounts are estimated and may not be available from every company or in every state.
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