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.
Estimated insurance prices for a Honda Fit are $932 every 12 months for full coverage. Comprehensive insurance costs on average $188 a year, collision insurance costs $330, and liability coverage is $304. Liability-only insurance costs around $346 a year, and high-risk driver insurance costs $2,006 or more. 16-year-old drivers pay the most at up to $3,500 a year.
Average premium for full coverage: $932
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and Fit trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Honda Fit range from the cheapest price of $346 for a discount liability-only rate to a high of $2,006 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than congested cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences show why it is important to compare rates quotes based on a specific location and their own driving history, rather than 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.
Rates by State, City, and Model
The chart below shows average Honda Fit insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $541
- Raising to $1,000 deductibles will save around $814 a year
- The average price for a 40-year-old good driver with $500 deductibles is $932
- Buying low $100 deductibles costs an extra $226 each year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,006
- An auto insurance policy to insure a teenage driver may cost $3,500
Insurance prices for a Honda Fit also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Fit.
Opting for high physical damage deductibles can reduce prices by up to $350 a year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $273 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $3,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,100 to $1,500 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Honda Fit insurance rates. A middle-age driver might find prices as low as $620 a year in states like Idaho, Maine, and Iowa, or at least $1,330 on average in Michigan, Louisiana, and New York.
| 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 Shop for More Affordable Honda Fit Insurance
Finding better rates on auto insurance consists of avoiding accidents and claims, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates once a year by getting rate quotes from direct carriers, and also from local independent and exclusive agents.
The points below are a summary of the data that was covered above.
- Drivers can save as much as $110 per year just by quoting early and online
- Consumers who require increased liability limits will pay around $330 each year to raise from 30/60 bodily injury limits to a 250/500 level
- Drivers under the age of 20 pay higher prices, as much as $292 per month if full coverage is included
- Drivers who have multiple accidents or major violations pay an average of $1,070 more each year to insure a Honda Fit
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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