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: Jun 6, 2023

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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.

Estimated insurance rates for a Honda Fit are $1,108 a year including full coverage. Comprehensive costs an estimated $240 a year, collision costs $474, and liability insurance is $284. Liability-only coverage costs around $328 a year, with high-risk coverage costing around $2,398. 16-year-old drivers pay the most at $4,048 a year or more.

Average premium for full coverage: $1,108

Premium estimates broken down by type of coverage:

Comprehensive $240
Collision $474
Liability $284

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Fit trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Honda Fit go from the low end price of $328 for just liability insurance to a high of $2,398 for a driver who has had serious violations or accidents.

Liability Only $328
Full Coverage $1,108
High Risk $2,398

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates how location helps determine insurance prices.

Rural Areas $831
Small Cities $1,163
Large Cities $1,496

These rate differences highlight why it is important to compare rates quotes for a targeted area, 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.

More Rate Details

The chart below breaks down estimated Honda Fit insurance rates for other coverage scenarios.

  • The best full coverage rate is $624
  • Raising to $1,000 deductibles will save approximately $946 every year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,108
  • Buying low $100 deductibles bumps up the cost to $1,424
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,398 or more
  • An auto insurance policy that insures a teen driver can cost as much as $4,048

View Chart as Image

Honda Fit insurance cost comparison chart
Column chart showing full coverage Honda Fit insurance rates range from $624 to $4,048

Insurance prices for a Honda Fit also have a wide range based on the trim level of your Fit, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,300 to $1,800 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,000 a year. View Rates by Age

Where you choose to live also has a big influence on Honda Fit insurance rates. A middle-age driver might find prices as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,580 on average in Louisiana, New York, and Michigan.

Honda Fit Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,000 -$108 -9.7%
Alaska $850 -$258 -23.3%
Arizona $920 -$188 -17.0%
Arkansas $1,108 -$0 0.0%
California $1,258 $150 13.5%
Colorado $1,054 -$54 -4.9%
Connecticut $1,136 $28 2.5%
Delaware $1,250 $142 12.8%
Florida $1,380 $272 24.5%
Georgia $1,022 -$86 -7.8%
Hawaii $796 -$312 -28.2%
Idaho $750 -$358 -32.3%
Illinois $826 -$282 -25.5%
Indiana $834 -$274 -24.7%
Iowa $748 -$360 -32.5%
Kansas $1,052 -$56 -5.1%
Kentucky $1,506 $398 35.9%
Louisiana $1,638 $530 47.8%
Maine $680 -$428 -38.6%
Maryland $914 -$194 -17.5%
Massachusetts $882 -$226 -20.4%
Michigan $1,922 $814 73.5%
Minnesota $926 -$182 -16.4%
Mississippi $1,326 $218 19.7%
Missouri $980 -$128 -11.6%
Montana $1,190 $82 7.4%
Nebraska $872 -$236 -21.3%
Nevada $1,326 $218 19.7%
New Hampshire $798 -$310 -28.0%
New Jersey $1,236 $128 11.6%
New Mexico $978 -$130 -11.7%
New York $1,164 $56 5.1%
North Carolina $636 -$472 -42.6%
North Dakota $906 -$202 -18.2%
Ohio $766 -$342 -30.9%
Oklahoma $1,134 $26 2.3%
Oregon $1,016 -$92 -8.3%
Pennsylvania $1,054 -$54 -4.9%
Rhode Island $1,474 $366 33.0%
South Carolina $1,002 -$106 -9.6%
South Dakota $934 -$174 -15.7%
Tennessee $968 -$140 -12.6%
Texas $1,332 $224 20.2%
Utah $818 -$290 -26.2%
Vermont $756 -$352 -31.8%
Virginia $664 -$444 -40.1%
Washington $852 -$256 -23.1%
West Virginia $1,016 -$92 -8.3%
Wisconsin $766 -$342 -30.9%
Wyoming $982 -$126 -11.4%

View Chart as Image

Honda Fit insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $480 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $255 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different.

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 $1,040 $87
Honda Fit Sport $1,108 $92
Honda Fit Sport VSA $1,158 $97

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 $240 $474 $284 $1,108
2014 Honda Fit $180 $310 $306 $906
2013 Honda Fit $176 $288 $312 $886
2012 Honda Fit $164 $268 $312 $854
2010 Honda Fit $148 $222 $312 $792
2009 Honda Fit $140 $202 $312 $764
2008 Honda Fit $134 $182 $310 $736
2007 Honda Fit $132 $178 $304 $724

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 Low Cost Honda Fit Insurance

Finding better rates on Honda Fit insurance consists of avoiding accidents and claims, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Comparison shop every other policy renewal by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The points below are a review of the ideas that were covered in the charts and tables above.

  • Drivers under the age of 20 are charged the highest prices, with the cost nearing $337 per month if full coverage is included
  • High-risk drivers who have several accidents or serious violations could be charged and average of $1,290 more annually to insure a Honda Fit
  • Increasing policy deductibles can save approximately $475 each year
  • You may be able to save approximately $140 per year simply by quoting early and online

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 $4,048
20 $2,558
30 $1,162
40 $1,108
50 $1,012
60 $992

Full coverage, $500 deductibles

Rates by Deductible

Honda Fit Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,424
$250 $1,276
$500 $1,108
$1,000 $946

Full coverage, driver age 40

Rates by Liability Limit

Honda Fit Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,108
50/100 $1,215
100/300 $1,286
250/500 $1,470
100 CSL $1,243
300 CSL $1,399
500 CSL $1,513

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Fit Insurance Rates for High Risk Drivers
Age Premium
16 $5,802
20 $4,076
30 $2,456
40 $2,398
50 $2,290
60 $2,268

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 $158

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $58
Homeowner $16
5-yr Accident Free $86
5-yr Claim Free $73
Paid in Full/EFT $54
Advance Quote $57
Online Quote $80
Total Discounts $484
Rate after discounts $624

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

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