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.
U.S. average insurance prices for a Honda Fit are $886 every 12 months for full coverage insurance. Comprehensive insurance costs around $176 each year, collision insurance costs $288, and liability insurance costs around $312. A policy with just liability insurance costs as low as $352 a year, and coverage for high-risk drivers costs $1,908 or more. 16-year-old drivers pay the highest rates at up to $3,364 a year.
Average premium for full coverage: $886
Price estimates for individual coverage:
Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Fit models.
Price Range from Low to High
For the average 40-year-old driver, Honda Fit insurance prices range from the cheapest price of $352 for minimum levels of liability insurance to a high rate of $1,908 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities. The graphic below illustrates the difference location can make on auto insurance rates.
The ranges above illustrate why all drivers should compare prices for a specific zip code and their own driving history, rather than relying on rate 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 Details
The chart below illustrates average Honda Fit insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $518
- Using higher $1,000 deductibles will save about $104 each year
- The average price for the average middle-age driver using $500 deductibles is $886
- Buying low deductibles for physical damage coverage costs an extra $206 a year
- Drivers with multiple tickets or accidents could pay at least $1,908
- The price to insure a teen driver can be $3,364 or more
Insurance prices for a Honda Fit are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles could cut prices by as much as $310 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $281 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles could pay as little as $800 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $3,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,100 to $1,500 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 138% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Honda Fit insurance rates. A driver around age 40 might see prices as low as $580 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,200 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $802 | -$84 | -9.5% |
| Alaska | $682 | -$204 | -23.0% |
| Arizona | $738 | -$148 | -16.7% |
| Arkansas | $886 | -$0 | 0.0% |
| California | $1,008 | $122 | 13.8% |
| Colorado | $846 | -$40 | -4.5% |
| Connecticut | $908 | $22 | 2.5% |
| Delaware | $1,004 | $118 | 13.3% |
| Florida | $1,106 | $220 | 24.8% |
| Georgia | $818 | -$68 | -7.7% |
| Hawaii | $638 | -$248 | -28.0% |
| Idaho | $602 | -$284 | -32.1% |
| Illinois | $662 | -$224 | -25.3% |
| Indiana | $668 | -$218 | -24.6% |
| Iowa | $596 | -$290 | -32.7% |
| Kansas | $842 | -$44 | -5.0% |
| Kentucky | $1,208 | $322 | 36.3% |
| Louisiana | $1,312 | $426 | 48.1% |
| Maine | $544 | -$342 | -38.6% |
| Maryland | $732 | -$154 | -17.4% |
| Massachusetts | $706 | -$180 | -20.3% |
| Michigan | $1,540 | $654 | 73.8% |
| Minnesota | $744 | -$142 | -16.0% |
| Mississippi | $1,062 | $176 | 19.9% |
| Missouri | $786 | -$100 | -11.3% |
| Montana | $954 | $68 | 7.7% |
| Nebraska | $698 | -$188 | -21.2% |
| Nevada | $1,064 | $178 | 20.1% |
| New Hampshire | $640 | -$246 | -27.8% |
| New Jersey | $988 | $102 | 11.5% |
| New Mexico | $784 | -$102 | -11.5% |
| New York | $934 | $48 | 5.4% |
| North Carolina | $510 | -$376 | -42.4% |
| North Dakota | $726 | -$160 | -18.1% |
| Ohio | $614 | -$272 | -30.7% |
| Oklahoma | $908 | $22 | 2.5% |
| Oregon | $814 | -$72 | -8.1% |
| Pennsylvania | $846 | -$40 | -4.5% |
| Rhode Island | $1,180 | $294 | 33.2% |
| South Carolina | $804 | -$82 | -9.3% |
| South Dakota | $748 | -$138 | -15.6% |
| Tennessee | $776 | -$110 | -12.4% |
| Texas | $1,068 | $182 | 20.5% |
| Utah | $658 | -$228 | -25.7% |
| Vermont | $606 | -$280 | -31.6% |
| Virginia | $532 | -$354 | -40.0% |
| Washington | $684 | -$202 | -22.8% |
| West Virginia | $814 | -$72 | -8.1% |
| Wisconsin | $614 | -$272 | -30.7% |
| Wyoming | $786 | -$100 | -11.3% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Fit | $844 | $70 |
| Honda Fit Sport | $886 | $74 |
| Honda Fit Sport VSA | $922 | $77 |
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 | $218 | $424 | $298 | $1,050 |
| 2019 Honda Fit | $208 | $400 | $300 | $1,018 |
| 2018 Honda Fit | $200 | $358 | $304 | $972 |
| 2017 Honda Fit | $188 | $330 | $304 | $932 |
| 2016 Honda Fit | $180 | $310 | $306 | $906 |
| 2015 Honda Fit | $176 | $288 | $312 | $886 |
| 2014 Honda Fit | $164 | $268 | $312 | $854 |
| 2013 Honda Fit | $158 | $244 | $316 | $828 |
| 2012 Honda Fit | $148 | $222 | $312 | $792 |
| 2011 Honda Fit | $140 | $202 | $312 | $764 |
| 2010 Honda Fit | $134 | $182 | $310 | $736 |
| 2009 Honda Fit | $132 | $178 | $304 | $724 |
| 2008 Honda Fit | $130 | $168 | $298 | $706 |
| 2007 Honda Fit | $120 | $160 | $294 | $684 |
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 Low Cost Honda Fit Insurance
Getting lower rates on Honda Fit insurance requires being a low-risk driver, having good credit, not filing small claims, and dropping full coverage on older vehicles. Make time to compare rates at every policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a review of the data touched on in this article.
- Drivers who may need more liability coverage will pay around $340 annually to increase from a low limit to a 250/500 level
- It is possible to save up to $100 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $300 each year
- Teen drivers pay higher prices, as much as $280 a month if they have full coverage
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 | $3,364 |
| 20 | $2,024 |
| 30 | $920 |
| 40 | $886 |
| 50 | $812 |
| 60 | $796 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,092 |
| $250 | $996 |
| $500 | $886 |
| $1,000 | $782 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $886 |
| 50/100 | $984 |
| 100/300 | $1,062 |
| 250/500 | $1,265 |
| 100 CSL | $1,016 |
| 300 CSL | $1,187 |
| 500 CSL | $1,312 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,784 |
| 20 | $3,226 |
| 30 | $1,940 |
| 40 | $1,908 |
| 50 | $1,820 |
| 60 | $1,804 |
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 | $47 |
| Multi-vehicle | $47 |
| Homeowner | $14 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $57 |
| Paid in Full/EFT | $38 |
| Advance Quote | $42 |
| Online Quote | $62 |
| Total Discounts | $368 |
Discounts are estimated and may not be available from every company or in every state.
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