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 rates for a Honda Fit are $906 a year including full coverage. Comprehensive insurance costs an estimated $180 each year, collision insurance costs $310, and liability is estimated at $306. A liability-only policy costs approximately $348 a year, and high-risk insurance 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 broken down by type of insurance:
Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Fit models.
Price Range Variability
Using a middle-aged driver as an example, Honda Fit insurance rates range from as low as $348 for the bare minimum liability coverage to a high rate of $1,950 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects insurance prices.
The examples above highlight why all drivers should get quotes for a targeted area and risk profile, instead of making a decision based on 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 Information
The chart below breaks down average Honda Fit insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $527
- Choosing higher $1,000 deductibles can save approximately $110 every year
- The average rate for a good driver age 40 who has $500 deductibles is $906
- Selecting low deductibles for comp and collision coverage will cost an extra $216 annually
- Higher-risk drivers with serious driving violations could pay up to $1,950
- Policy cost for full coverage for a 16-year-old driver can cost as much as $3,422 each year
Car insurance rates for a Honda Fit also range considerably based on your risk profile, the model of your Fit, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $3,400 a year. View Rates by Age
Your home state plays a big part in determining prices for Honda Fit insurance prices. A good driver about age 40 could pay as low as $700 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,290 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $330 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $276 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,100 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 135% more than the average policy. View High Risk Driver Rates
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 Affordable Honda Fit Insurance
Finding cheaper rates on insurance for a Honda Fit takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to comparison shop every other policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief review of the ideas that were touched on in the above illustrations.
- Teen drivers have the highest car insurance rates, with premiums being up to $285 each month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,040 more annually to insure their Fit
- Increasing comprehensive and collision deductibles can save around $325 each year
- You may be able to save approximately $110 per year just by quoting online in advance
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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