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.
Average insurance prices for a Honda Fit are $932 every 12 months for full coverage insurance. Comprehensive costs on average $188 a year, collision costs $330, and liability costs around $304. A policy with just liability insurance costs as low as $346 a year, with coverage for high-risk drivers costing around $2,006. Teens receive the highest rates at $3,500 a year or more.
Average premium for full coverage: $932
Rate estimates by individual coverage type:
Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Fit trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $346 for minimum levels of liability insurance to a high of $2,006 for a high-risk driver policy.
Price Range by Location
Where you live can have significant affects on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates how your location can change car insurance rates.
These examples illustrate why it is important to compare prices based on a specific location and their own driving history, instead of 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 estimated Honda Fit insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $541
- Using higher $1,000 deductibles will save around $814 each year
- The average price for a 40-year-old driver with $500 deductibles is $932
- Selecting low $100 deductibles for physical damage coverage increases the price to $1,158
- Drivers with serious driving violations could pay upwards of $2,006 or more
- The cost to insure a teen driver may cost $3,500 or more
Insurance rates for a Honda Fit can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Fit.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $350 every year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $273 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as little as $900 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $3,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,100 to $1,500 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than the average policy. View High Risk Driver Rates
Where you live has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates 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% |
With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, and rates can be significantly different.
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 Shop for Affordable Honda Fit Insurance
Saving money on car insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around every time your policy renews by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a brief review of the information illustrated above.
- It is possible to save as much as $110 per year simply by quoting early and online
- Teen drivers pay higher rates, costing up to $292 per month if full coverage is included
- Increasing deductibles could save as much as $350 each year
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,070 more each year to insure their Fit
- Policyholders who require more liability coverage will pay approximately $330 annually to increase from a minimum limit to a 250/500 level
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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