Honda Fit Insurance Rates
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UPDATED: Apr 30, 2020
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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 $1,126 a year for full coverage insurance. Comprehensive costs an estimated $248 each year, collision insurance costs $494, and liability coverage is $274. A liability-only policy costs around $322 a year, and high-risk insurance costs around $2,444. Teen drivers cost the most to insure at up to $4,098 a year.
Average premium for full coverage: $1,126
Policy rates broken down by type of insurance:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Fit models.
Price Range Variability
For the normal driver, Honda Fit insurance rates range from as low as $322 for just the minimum liability insurance to a high rate of $2,444 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how geographic area affects insurance prices.
The examples above illustrate why all drivers should compare rates quotes for a targeted area and risk profile, rather than using price averages.
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 illustrates average Honda Fit insurance rates for other coverage scenarios.
- The lowest rate with discounts is $634
- Raising to $1,000 deductibles will save approximately $168 each year
- The average rate for a good driver age 40 who has $500 deductibles is $1,126
- Choosing low deductibles will increase the cost to $1,456
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,444
- Policy cost for full coverage for a teenage driver can cost as much as $4,098
Car insurance rates for a Honda Fit also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $4,000 a year. View Rates by Age
Your home state also has a big influence on Honda Fit insurance rates. A middle-age driver might find rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,520 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,018 | -$108 | -9.6% |
| Alaska | $864 | -$262 | -23.3% |
| Arizona | $936 | -$190 | -16.9% |
| Arkansas | $1,126 | -$0 | 0.0% |
| California | $1,284 | $158 | 14.0% |
| Colorado | $1,074 | -$52 | -4.6% |
| Connecticut | $1,156 | $30 | 2.7% |
| Delaware | $1,274 | $148 | 13.1% |
| Florida | $1,408 | $282 | 25.0% |
| Georgia | $1,040 | -$86 | -7.6% |
| Hawaii | $812 | -$314 | -27.9% |
| Idaho | $764 | -$362 | -32.1% |
| Illinois | $838 | -$288 | -25.6% |
| Indiana | $848 | -$278 | -24.7% |
| Iowa | $762 | -$364 | -32.3% |
| Kansas | $1,070 | -$56 | -5.0% |
| Kentucky | $1,534 | $408 | 36.2% |
| Louisiana | $1,668 | $542 | 48.1% |
| Maine | $694 | -$432 | -38.4% |
| Maryland | $928 | -$198 | -17.6% |
| Massachusetts | $900 | -$226 | -20.1% |
| Michigan | $1,956 | $830 | 73.7% |
| Minnesota | $944 | -$182 | -16.2% |
| Mississippi | $1,348 | $222 | 19.7% |
| Missouri | $1,000 | -$126 | -11.2% |
| Montana | $1,212 | $86 | 7.6% |
| Nebraska | $888 | -$238 | -21.1% |
| Nevada | $1,354 | $228 | 20.2% |
| New Hampshire | $812 | -$314 | -27.9% |
| New Jersey | $1,256 | $130 | 11.5% |
| New Mexico | $998 | -$128 | -11.4% |
| New York | $1,186 | $60 | 5.3% |
| North Carolina | $646 | -$480 | -42.6% |
| North Dakota | $920 | -$206 | -18.3% |
| Ohio | $780 | -$346 | -30.7% |
| Oklahoma | $1,156 | $30 | 2.7% |
| Oregon | $1,036 | -$90 | -8.0% |
| Pennsylvania | $1,074 | -$52 | -4.6% |
| Rhode Island | $1,502 | $376 | 33.4% |
| South Carolina | $1,020 | -$106 | -9.4% |
| South Dakota | $952 | -$174 | -15.5% |
| Tennessee | $984 | -$142 | -12.6% |
| Texas | $1,356 | $230 | 20.4% |
| Utah | $836 | -$290 | -25.8% |
| Vermont | $770 | -$356 | -31.6% |
| Virginia | $674 | -$452 | -40.1% |
| Washington | $870 | -$256 | -22.7% |
| West Virginia | $1,036 | -$90 | -8.0% |
| Wisconsin | $780 | -$346 | -30.7% |
| Wyoming | $1,000 | -$126 | -11.2% |
Choosing high deductibles can reduce rates by up to $500 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $246 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 probably paying $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 129% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Fit | $1,056 | $88 |
| Honda Fit Sport | $1,126 | $94 |
| Honda Fit Sport VSA | $1,180 | $98 |
Rates assume 2020 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 | $248 | $494 | $274 | $1,126 |
| 2014 Honda Fit | $188 | $330 | $304 | $932 |
| 2013 Honda Fit | $180 | $310 | $306 | $906 |
| 2012 Honda Fit | $176 | $288 | $312 | $886 |
| 2010 Honda Fit | $158 | $244 | $316 | $828 |
| 2009 Honda Fit | $148 | $222 | $312 | $792 |
| 2008 Honda Fit | $140 | $202 | $312 | $764 |
| 2007 Honda Fit | $134 | $182 | $310 | $736 |
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 auto insurance consists of avoiding accidents and claims, having above-average credit, being claim-free, and possibly higher deductibles. Invest the time to compare rates once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a brief review of the data that was presented in the illustrations above.
- It is possible to save approximately $140 per year just by quoting online in advance
- Consumers who want increased liability limits will pay about $300 annually to raise from a 30/60 limit to 250/500 limits
- Drivers under the age of 20 have the highest car insurance rates, possibly costing $342 each month if full coverage is included
- Drivers with DUI or reckless driving convictions pay on average $1,320 more annually to insure a Honda 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 | $4,098 |
| 20 | $2,606 |
| 30 | $1,184 |
| 40 | $1,126 |
| 50 | $1,028 |
| 60 | $1,010 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,456 |
| $250 | $1,302 |
| $500 | $1,126 |
| $1,000 | $958 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,126 |
| 50/100 | $1,235 |
| 100/300 | $1,303 |
| 250/500 | $1,481 |
| 100 CSL | $1,262 |
| 300 CSL | $1,413 |
| 500 CSL | $1,523 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,882 |
| 20 | $4,152 |
| 30 | $2,506 |
| 40 | $2,444 |
| 50 | $2,330 |
| 60 | $2,310 |
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 | $61 |
| Multi-vehicle | $59 |
| Homeowner | $16 |
| 5-yr Accident Free | $88 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $55 |
| Advance Quote | $58 |
| Online Quote | $81 |
| Total Discounts | $492 |
Discounts are estimated and may not be available from every company or in every state.
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