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 $906 annually for full coverage insurance. Comprehensive costs on average $180, collision insurance costs $310, and liability costs $306. Liability-only coverage costs as little as $348 a year, and high-risk coverage costs around $1,950. 16-year-old drivers cost the most to insure at up to $3,422 a year.
Average premium for full coverage: $906
Policy rates by type of insurance:
Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Fit trim levels.
Price Range Variability
For a driver in their 40's, Honda Fit insurance rates range from as cheap as $348 for basic liability insurance to a much higher rate of $1,950 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than congested cities. The price range example below illustrates how location helps determine car insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of using rate 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.
Rate Comparisons
The chart below illustrates average Honda Fit insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $527
- Drivers who choose higher $1,000 deductibles will pay around $110 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $906
- Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,122
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,950
- Policy cost with full coverage for a teen driver with full coverage may cost $3,422 a year
Insurance rates for a Honda Fit also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $3,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,500 additional every year, depending on your age. High-risk driver insurance can cost as much as 44% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $330 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $276 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Honda Fit insurance prices. A 40-year-old driver could pay as low as $590 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,220 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $820 | -$86 | -9.5% |
| Alaska | $692 | -$214 | -23.6% |
| Arizona | $752 | -$154 | -17.0% |
| Arkansas | $906 | -$0 | 0.0% |
| California | $1,032 | $126 | 13.9% |
| Colorado | $864 | -$42 | -4.6% |
| Connecticut | $930 | $24 | 2.6% |
| Delaware | $1,024 | $118 | 13.0% |
| Florida | $1,130 | $224 | 24.7% |
| Georgia | $838 | -$68 | -7.5% |
| Hawaii | $652 | -$254 | -28.0% |
| Idaho | $614 | -$292 | -32.2% |
| Illinois | $674 | -$232 | -25.6% |
| Indiana | $684 | -$222 | -24.5% |
| Iowa | $610 | -$296 | -32.7% |
| Kansas | $860 | -$46 | -5.1% |
| Kentucky | $1,234 | $328 | 36.2% |
| Louisiana | $1,342 | $436 | 48.1% |
| Maine | $558 | -$348 | -38.4% |
| Maryland | $746 | -$160 | -17.7% |
| Massachusetts | $722 | -$184 | -20.3% |
| Michigan | $1,572 | $666 | 73.5% |
| Minnesota | $758 | -$148 | -16.3% |
| Mississippi | $1,086 | $180 | 19.9% |
| Missouri | $802 | -$104 | -11.5% |
| Montana | $974 | $68 | 7.5% |
| Nebraska | $714 | -$192 | -21.2% |
| Nevada | $1,086 | $180 | 19.9% |
| New Hampshire | $652 | -$254 | -28.0% |
| New Jersey | $1,012 | $106 | 11.7% |
| New Mexico | $802 | -$104 | -11.5% |
| New York | $954 | $48 | 5.3% |
| North Carolina | $520 | -$386 | -42.6% |
| North Dakota | $742 | -$164 | -18.1% |
| Ohio | $626 | -$280 | -30.9% |
| Oklahoma | $930 | $24 | 2.6% |
| Oregon | $832 | -$74 | -8.2% |
| Pennsylvania | $862 | -$44 | -4.9% |
| Rhode Island | $1,206 | $300 | 33.1% |
| South Carolina | $822 | -$84 | -9.3% |
| South Dakota | $762 | -$144 | -15.9% |
| Tennessee | $792 | -$114 | -12.6% |
| Texas | $1,092 | $186 | 20.5% |
| Utah | $670 | -$236 | -26.0% |
| Vermont | $620 | -$286 | -31.6% |
| Virginia | $544 | -$362 | -40.0% |
| Washington | $698 | -$208 | -23.0% |
| West Virginia | $834 | -$72 | -7.9% |
| Wisconsin | $626 | -$280 | -30.9% |
| Wyoming | $804 | -$102 | -11.3% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Fit | $860 | $72 |
| Honda Fit Sport | $906 | $76 |
| Honda Fit Sport VSA | $942 | $79 |
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 | $226 | $458 | $292 | $1,086 |
| 2019 Honda Fit | $218 | $424 | $298 | $1,050 |
| 2018 Honda Fit | $208 | $400 | $300 | $1,018 |
| 2017 Honda Fit | $200 | $358 | $304 | $972 |
| 2016 Honda Fit | $188 | $330 | $304 | $932 |
| 2015 Honda Fit | $180 | $310 | $306 | $906 |
| 2014 Honda Fit | $176 | $288 | $312 | $886 |
| 2013 Honda Fit | $164 | $268 | $312 | $854 |
| 2012 Honda Fit | $158 | $244 | $316 | $828 |
| 2011 Honda Fit | $148 | $222 | $312 | $792 |
| 2010 Honda Fit | $140 | $202 | $312 | $764 |
| 2009 Honda Fit | $134 | $182 | $310 | $736 |
| 2008 Honda Fit | $132 | $178 | $304 | $724 |
| 2007 Honda Fit | $130 | $168 | $298 | $706 |
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 Right Honda Fit Insurance
Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having good credit, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a quick rundown of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,040 more each year for auto insurance
- It is possible to save as much as $110 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $325 each year
- Policyholders who require higher levels of liability will pay around $340 annually to go from a 30/60 limit to higher 250/500 limits
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 | $3,422 |
| 20 | $2,074 |
| 30 | $940 |
| 40 | $906 |
| 50 | $830 |
| 60 | $814 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,122 |
| $250 | $1,022 |
| $500 | $906 |
| $1,000 | $796 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $906 |
| 50/100 | $1,003 |
| 100/300 | $1,080 |
| 250/500 | $1,279 |
| 100 CSL | $1,034 |
| 300 CSL | $1,202 |
| 500 CSL | $1,325 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,876 |
| 20 | $3,308 |
| 30 | $1,986 |
| 40 | $1,950 |
| 50 | $1,862 |
| 60 | $1,844 |
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 | $48 |
| Multi-vehicle | $48 |
| Homeowner | $14 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $39 |
| Advance Quote | $44 |
| Online Quote | $64 |
| Total Discounts | $379 |
Discounts are estimated and may not be available from every company or in every state.
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