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.
The average insurance prices for a Honda Fit are $886 every 12 months with full coverage. Comprehensive insurance costs around $176, collision costs $288, and liability costs around $312. Buying just liability costs as low as $352 a year, with insurance for high-risk drivers costing $1,908 or more. Teenage drivers cost the most to insure at $3,364 a year or more.
Average premium for full coverage: $886
Policy rates for type of insurance:
Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM 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 go from the cheapest price of $352 for just liability insurance to a much higher rate of $1,908 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities.
The price range example below illustrates how where you live affects auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of 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.
More Rate Details
The chart below details estimated Honda Fit insurance rates for additional coverage choices and driver risks.
- The best discount rate is $518
- Using higher $1,000 deductibles will save about $104 annually
- The average price for a good driver age 40 using $500 deductibles is $886
- Using more expensive low deductibles for physical damage coverage costs an extra $206 every year
- Drivers who are prone to accidents and violations could pay at least $1,908 or more
- Policy cost to insure a teen driver with full coverage can be $3,364 or more
Insurance rates for a Honda Fit also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Using high physical damage deductibles could cut rates by as much as $310 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $281 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $3,300 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,100 to $1,500 extra every year, depending on your age. High-risk driver insurance can be as much as 45% to 138% more than a normal policy. View High Risk Driver Rates
Your home state has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates as low as $640 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,200 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $802 | -$84 | -9.5% |
| Alaska | $682 | -$204 | -23.0% |
| Arizona | $738 | -$148 | -16.7% |
| Arkansas | $886 | -$0 | 0.0% |
| California | $1,008 | $122 | 13.8% |
| Colorado | $846 | -$40 | -4.5% |
| Connecticut | $908 | $22 | 2.5% |
| Delaware | $1,004 | $118 | 13.3% |
| Florida | $1,106 | $220 | 24.8% |
| Georgia | $818 | -$68 | -7.7% |
| Hawaii | $638 | -$248 | -28.0% |
| Idaho | $602 | -$284 | -32.1% |
| Illinois | $662 | -$224 | -25.3% |
| Indiana | $668 | -$218 | -24.6% |
| Iowa | $596 | -$290 | -32.7% |
| Kansas | $842 | -$44 | -5.0% |
| Kentucky | $1,208 | $322 | 36.3% |
| Louisiana | $1,312 | $426 | 48.1% |
| Maine | $544 | -$342 | -38.6% |
| Maryland | $732 | -$154 | -17.4% |
| Massachusetts | $706 | -$180 | -20.3% |
| Michigan | $1,540 | $654 | 73.8% |
| Minnesota | $744 | -$142 | -16.0% |
| Mississippi | $1,062 | $176 | 19.9% |
| Missouri | $786 | -$100 | -11.3% |
| Montana | $954 | $68 | 7.7% |
| Nebraska | $698 | -$188 | -21.2% |
| Nevada | $1,064 | $178 | 20.1% |
| New Hampshire | $640 | -$246 | -27.8% |
| New Jersey | $988 | $102 | 11.5% |
| New Mexico | $784 | -$102 | -11.5% |
| New York | $934 | $48 | 5.4% |
| North Carolina | $510 | -$376 | -42.4% |
| North Dakota | $726 | -$160 | -18.1% |
| Ohio | $614 | -$272 | -30.7% |
| Oklahoma | $908 | $22 | 2.5% |
| Oregon | $814 | -$72 | -8.1% |
| Pennsylvania | $846 | -$40 | -4.5% |
| Rhode Island | $1,180 | $294 | 33.2% |
| South Carolina | $804 | -$82 | -9.3% |
| South Dakota | $748 | -$138 | -15.6% |
| Tennessee | $776 | -$110 | -12.4% |
| Texas | $1,068 | $182 | 20.5% |
| Utah | $658 | -$228 | -25.7% |
| Vermont | $606 | -$280 | -31.6% |
| Virginia | $532 | -$354 | -40.0% |
| Washington | $684 | -$202 | -22.8% |
| West Virginia | $814 | -$72 | -8.1% |
| Wisconsin | $614 | -$272 | -30.7% |
| Wyoming | $786 | -$100 | -11.3% |
Because rates have so much variability, the best way to find out your exact price is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Fit | $844 | $70 |
| Honda Fit Sport | $886 | $74 |
| Honda Fit Sport VSA | $922 | $77 |
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 | $218 | $424 | $298 | $1,050 |
| 2019 Honda Fit | $208 | $400 | $300 | $1,018 |
| 2018 Honda Fit | $200 | $358 | $304 | $972 |
| 2017 Honda Fit | $188 | $330 | $304 | $932 |
| 2016 Honda Fit | $180 | $310 | $306 | $906 |
| 2015 Honda Fit | $176 | $288 | $312 | $886 |
| 2014 Honda Fit | $164 | $268 | $312 | $854 |
| 2013 Honda Fit | $158 | $244 | $316 | $828 |
| 2012 Honda Fit | $148 | $222 | $312 | $792 |
| 2011 Honda Fit | $140 | $202 | $312 | $764 |
| 2010 Honda Fit | $134 | $182 | $310 | $736 |
| 2009 Honda Fit | $132 | $178 | $304 | $724 |
| 2008 Honda Fit | $130 | $168 | $298 | $706 |
| 2007 Honda Fit | $120 | $160 | $294 | $684 |
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
Finding cheaper rates on car insurance requires being a low-risk driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop once a year by requesting rates from direct companies, and also from several local insurance agents.
The items below are a brief review of the data that was touched on in the above illustrations.
- You may be able to save up to $100 per year simply by shopping early and online
- Policyholders who may need more liability coverage will pay an extra $340 every year to increase from a 30/60 limit to a 250/500 level
- Teen drivers pay higher rates, as much as $280 each month if they have full coverage
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,020 more every year to insure their 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 | $3,364 |
| 20 | $2,024 |
| 30 | $920 |
| 40 | $886 |
| 50 | $812 |
| 60 | $796 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,092 |
| $250 | $996 |
| $500 | $886 |
| $1,000 | $782 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $886 |
| 50/100 | $984 |
| 100/300 | $1,062 |
| 250/500 | $1,265 |
| 100 CSL | $1,016 |
| 300 CSL | $1,187 |
| 500 CSL | $1,312 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,784 |
| 20 | $3,226 |
| 30 | $1,940 |
| 40 | $1,908 |
| 50 | $1,820 |
| 60 | $1,804 |
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 | $47 |
| Multi-vehicle | $47 |
| Homeowner | $14 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $57 |
| Paid in Full/EFT | $38 |
| Advance Quote | $42 |
| Online Quote | $62 |
| Total Discounts | $368 |
Discounts are estimated and may not be available from every company or in every state.
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