Honda Fit Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
Estimated insurance rates for a Honda Fit are $906 a year including full coverage. Comprehensive costs on average $180 each year, collision costs $310, and liability coverage is estimated at $306. A policy with only liability insurance costs approximately $348 a year, with a high-risk policy costing around $1,950. Teenage drivers pay the most at $3,422 a year or more.
Average premium for full coverage: $906
Premium estimates by type of coverage:
Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Fit models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Honda Fit go from the low end price of $348 for just liability coverage to a high rate of $1,950 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.
The graphic below illustrates the difference location can make on car insurance rates.
These rate differences highlight why all drivers should get quotes based on a specific location, rather than using average rates.
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.
Detailed Rate Analysis
The chart below breaks down estimated Honda Fit insurance rates for different risk profiles and scenarios.
- The best discount rate is $527
- Choosing higher $1,000 deductibles can save around $110 every year
- The estimated price for a 40-year-old good driver with $500 deductibles is $906
- Using low deductibles for comp and collision coverage bumps up the cost to $1,122
- Drivers who are prone to accidents and violations could pay upwards of $1,950 or more
- An auto insurance policy that insures a teenage driver may cost $3,422 each year
Car insurance prices for a Honda Fit also have a wide range based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are likely paying at a minimum $1,100 to $1,500 extra annually, depending on your age. Insurance for high-risk drivers ranges around 44% to 135% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $3,400 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Honda Fit insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,290 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can save as much as $330 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $276 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different.
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 Find More Affordable Honda Fit Insurance
Finding better rates on auto insurance takes being a low-risk driver, having a positive credit history, refrain from filing small claims, and maximizing policy discounts. Compare prices at every policy renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The items below are a summary of the data touched on in this article.
- Consumers who require more liability coverage will pay an extra $340 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
- You may be able to save as much as $110 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $325 each year
- Teen drivers are expensive to insure, with the cost nearing $285 per month if full coverage is purchased
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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