Honda Fit Insurance Rates

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UPDATED: May 11, 2024

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Honda Fit insurance
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.

Average insurance rates for a Honda Fit are $906 a year for full coverage. Comprehensive insurance costs approximately $180 each year, collision insurance costs $310, and liability coverage is estimated at $306. A policy with just liability insurance costs approximately $348 a year, and coverage for high-risk drivers costs $1,950 or more. Teens receive the highest rates at up to $3,422 a year.

Average premium for full coverage: $906

Rate estimates by individual coverage type:

Comprehensive $180
Collision $310
Liability $306

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Fit models.

Price Range by Coverage and Risk

For an average driver, prices range range from as low as $348 for liability-only coverage to a high rate of $1,950 for a driver required to buy high-risk insurance.

Liability Only $348
Full Coverage $906
High Risk $1,950

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $680
Small Cities $951
Large Cities $1,223

These examples show why all drivers should get quotes using their specific location and risk profile, rather than using averaged prices.

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.

Additional Charts and Tables

The chart below shows average Honda Fit insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $527
  • Choosing higher $1,000 deductibles can save $110 a year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $906
  • Selecting low deductibles for comp and collision coverage will cost an extra $216 each year
  • Drivers with serious driving violations could pay around $1,950
  • The cost for full coverage for a teenage driver can cost $3,422 each year

View Chart as Image

Honda Fit insurance cost comparison chart
Column chart showing Honda Fit insurance prices range from $527 to $3,422 for full coverage

Insurance rates for a Honda Fit can also vary considerably based on your driver profile, the trim level of your Fit, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $900 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $3,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Honda Fit insurance rates. A good driver about age 40 could pay as low as $600 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,290 on average in New York, Louisiana, and Michigan.

Honda Fit Insurance Rates by State
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%

View Chart as Image

Honda Fit insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $330 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $276 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,100 to $1,500 additional per year, depending on your age. Insurance for high-risk drivers ranges around 44% to 135% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Honda Fit Insurance Rates by Model and Trim Level
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.

Honda Fit Insurance Rates by Model Year
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 Low Cost Honda Fit Insurance

Saving money on auto insurance takes having a decent driving record, having a good credit history, eliminating unneeded coverage, and consideration of higher deductibles. Take the time to compare rates at every policy renewal by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a review of the data covered in the above illustrations.

  • Consumers who purchase additional liability coverage will pay approximately $340 each year to raise limits from a minimum limit to 250/500 limits
  • Drivers can save around $110 per year just by quoting online in advance
  • Increasing deductibles can save around $325 each year
  • 16 to 18-year-old drivers are the costliest to insure, costing as high as $285 per month including comprehensive and collision insurance

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.

Rates by Driver Age

Honda Fit Insurance 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

Honda Fit Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,122
$250 $1,022
$500 $906
$1,000 $796

Full coverage, driver age 40

Rates by Liability Limit

Honda Fit Insurance Rates with Different Liability Limits
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

Honda Fit Insurance 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.

SR-22 Surcharge $126

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
Rate after discounts $527

Discounts are estimated and may not be available from every company or in every state.

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