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.
Average insurance rates for a Honda Fit are $906 a year including full coverage. Comprehensive insurance costs an estimated $180 a year, collision costs $310, and liability is $306. Buying just liability costs around $348 a year, with insurance for high-risk drivers costing $1,950 or more. Teens receive the highest rates at $3,422 a year or more.
Average premium for full coverage: $906
Rate estimates broken down by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Fit trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $348 for the bare minimum liability coverage to a high of $1,950 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects insurance prices.
These examples highlight why it is important to compare rates quotes for a targeted area and risk profile, 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 Information
The chart below breaks down estimated Honda Fit insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $527
- Raising to $1,000 deductibles will save approximately $796 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $906
- Selecting low $100 deductibles will cost an extra $216 every year
- At-risk drivers with serious driving violations could pay up to $1,950 or more
- The cost for full coverage for a teen driver can cost as much as $3,422
Auto insurance rates for a Honda Fit can also vary considerably based on your driver profile, the model of your Fit, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles may pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $3,400 a year. View Rates by Age
Where you live 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 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 reduce rates by up to $330 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $276 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,100 to $1,500 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 135% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out which company is cheapest is to get quotes and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates can be significantly different from one company to the next.
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 Cheaper Honda Fit Insurance
Saving money on car insurance consists of avoiding accidents and violations, having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around every couple of years by getting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The list below is a condensed summary of the material that was raised in the charts and tables above.
- Policyholders who want higher liability limits will pay approximately $340 per year to raise from a minimum limit to 250/500 limits
- Teenagers are the costliest to insure, as much as $285 per month if they have full coverage
- Higher risk drivers with multiple at-fault accidents may pay on average $1,040 more annually for car insurance
- Increasing deductibles can save around $325 each year
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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