Honda Fit Insurance Rates
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UPDATED: Jun 5, 2023
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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 auto insurance rates for a Honda Fit are $932 annually including full coverage. Comprehensive costs approximately $188 each year, collision insurance costs $330, and liability costs around $304. Liability-only insurance costs as low as $346 a year, and high-risk driver insurance costs around $2,006. Teen drivers cost the most to insure at up to $3,500 a year.
Average premium for full coverage: $932
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Fit models.
Price Range Variability
For a 40-year-old driver, Honda Fit insurance rates range from as cheap as $346 for minimum levels of liability insurance to a high rate of $2,006 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how your location can change auto insurance prices.
The examples above highlight why all drivers should compare prices using their specific location and their own personal driving habits, instead of using price averages.
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 breaks down average Honda Fit insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $541
- Using higher $1,000 deductibles will save $118 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $932
- Choosing low deductibles for physical damage coverage will cost $1,158
- Drivers with multiple violations and an at-fault accident could pay around $2,006
- Policy cost with full coverage for a teen driver can cost $3,500 or more
Auto insurance rates for a Honda Fit also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $3,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,100 to $1,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $350 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $273 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,330 on average in Louisiana, New York, and Michigan.
| 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% |
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 Buy the Best Cheap Honda Fit Insurance
Finding cheaper rates on car insurance requires avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to shop around at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The list below is a quick review of the data illustrated above.
- Policyholders who purchase higher liability limits will pay about $330 per year to increase from a 30/60 limit to higher 250/500 limits
- You may be able to save around $110 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $350 each year
- Teenagers have the highest car insurance rates, with premiums being up to $292 each month if full coverage 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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