Honda Fit Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 30, 2020

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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 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:

Comprehensive $248
Collision $494
Liability $274

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.

Liability Only $322
Full Coverage $1,126
High Risk $2,444

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.

Rural Areas $845
Small Cities $1,182
Large Cities $1,520

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

View Chart as Image

Honda Fit insurance cost comparison chart
Column chart showing Honda Fit insurance rates range from $634 to $4,098 for full coverage

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.

Honda Fit Insurance Rates by State
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%

View Chart as Image

Honda Fit insurance rates by U.S. city

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

Honda Fit Insurance Rates by Model and Trim Level
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.

Honda Fit Insurance Rates by Model Year
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.

Rates by Driver Age

Honda Fit Insurance 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

Honda Fit Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,456
$250 $1,302
$500 $1,126
$1,000 $958

Full coverage, driver age 40

Rates by Liability Limit

Honda Fit Insurance Rates with Different Liability Limits
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

Honda Fit Insurance 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.

SR-22 Surcharge $161

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
Rate after discounts $634

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

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