Honda Fit Insurance Rates
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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.
The average insurance rates for a Honda Fit are $932 a year with full coverage. Comprehensive costs approximately $188, collision insurance costs $330, and liability costs $304. Buying just liability costs as little as $346 a year, and insurance for high-risk drivers costs around $2,006. 16-year-old 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:
Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different Fit trim levels.
Price Range Variability
Using a middle-aged driver as an example, Honda Fit insurance rates range from as low as $346 for your basic liability-only policy to a much higher rate of $2,006 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities. The price range example below illustrates how where you live affects auto insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, 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.
More Rate Information
The chart below details average Honda Fit insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $541
- Drivers who choose higher $1,000 deductibles will pay $118 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $932
- Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,158
- Higher-risk drivers with multiple tickets or accidents could pay around $2,006
- Policy cost for full coverage for a teen driver with full coverage can cost $3,500 a year
Insurance rates for a Honda Fit also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high 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 good drivers can expect to pay in the ballpark of $3,500 a year. View Rates by Age
Your home state makes a big difference in Honda Fit insurance prices. A 40-year-old driver could pay as low as $670 a year in states like Utah, Ohio, and New Hampshire, or at least $1,260 on average in New York, Michigan, 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% |
Opting for high physical damage deductibles could save up to $350 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $273 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,500 extra every year, depending on your age. High-risk driver insurance can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates
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 Find the Right Honda Fit Insurance
Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also maintaining good credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a quick rundown of the car insurance concepts touched on in the above illustrations.
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,070 more per year for auto insurance
- You may be able to save around $110 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save around $350 each year
- Policyholders who purchase higher levels of liability will pay around $330 every year to go from a 30/60 limit to 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 | $3,500 |
| 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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