Honda Fit Insurance Rates
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Michelle Robbins
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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 prices for a Honda Fit are $906 every 12 months including full coverage. Comprehensive costs around $180 a year, collision insurance costs $310, and liability insurance is estimated at $306. Liability-only coverage costs approximately $348 a year, and high-risk coverage costs around $1,950. Teen drivers receive the highest rates at up to $3,422 a year.
Average premium for full coverage: $906
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Fit trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $348 for just the minimum liability insurance to a high of $1,950 for high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance rates.
These examples highlight why it is important to get quotes for a specific zip code and their own driving history, rather than relying on 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 breaks down average Honda Fit insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $527
- Choosing higher $1,000 deductibles can save about $796 every year
- The average price for a 40-year-old driver using $500 deductibles is $906
- Choosing low $100 deductibles for comp and collision coverage increases the price to $1,122
- High-risk insureds with multiple violations and an at-fault accident could pay at least $1,950
- The cost to insure a teen driver can be $3,422 each year
Car insurance rates for a Honda Fit can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Choosing high deductibles can save as much as $330 each year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $276 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $900 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $3,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,100 to $1,500 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 135% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Honda Fit insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,290 on average in Michigan, New York, and Louisiana.
| 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% |
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 Shop for the Best Honda Fit Insurance
Saving money on Honda Fit insurance takes being safe and accident-free, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Invest time comparing rates every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below you'll find a brief recap of the material that was covered in the charts and tables above.
- Drivers who may need more liability protection will pay about $340 per year to raise limits from a minimum limit to a 250/500 level
- Youthful drivers are the costliest to insure, as much as $285 per month if the policy includes full coverage
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,040 more every year than a low-risk driver
- Increasing deductibles could save as much as $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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