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.

The average insurance prices for a Honda Fit are $906 every 12 months including full coverage. Comprehensive insurance costs on average $180, collision insurance costs $310, and liability is $306. Buying just liability costs around $348 a year, and insurance for high-risk drivers costs $1,950 or more. Teens cost the most to insure at up to $3,422 a year.

Average premium for full coverage: $906

Policy rates by type of insurance:

Comprehensive $180
Collision $310
Liability $306

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Fit trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Honda Fit insurance rates range from the cheapest price of $348 for just the minimum liability insurance to a much higher rate of $1,950 for a driver that may need high-risk insurance.

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

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects car insurance rates.

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

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of 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 Rate Analysis

The chart below breaks down average Honda Fit insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $527
  • Raising to $1,000 deductibles will save around $110 every year
  • The average price for a good driver age 40 with $500 deductibles is $906
  • Selecting more expensive low deductibles costs an extra $216 every year
  • At-risk drivers with serious driving violations could pay upwards of $1,950
  • Policy cost to insure a teen driver with full coverage may cost $3,422

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 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Fit.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $330 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $276 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 $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $3,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,100 to $1,500 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 135% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Honda Fit insurance prices. A middle-age driver might find rates as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,290 on average in Michigan, New York, and Louisiana.

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

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 Shop for the Best Cheap Honda Fit Insurance

Finding cheaper rates on car insurance consists of being a good driver, having good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Set aside time to shop around once a year by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a quick review of the data that was raised in the charts and tables above.

  • You may be able to save as much as $110 per year just by shopping early and online
  • Policyholders who require an increased level of liability coverage will pay approximately $340 per year to raise from a 30/60 limit to a 250/500 level
  • Drivers age 16 to 20 pay the highest rates, with premiums being up to $285 each month if they have full coverage
  • Higher risk drivers with a DUI or reckless driving violation may pay on average $1,040 more each year than a safer driver

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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