Honda Fit Insurance Rates
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UPDATED: Jun 6, 2023
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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 auto insurance rates for a Honda Fit are $1,108 annually for full coverage insurance. Comprehensive costs approximately $240, collision insurance costs $474, and liability is $284. Liability-only coverage costs around $328 a year, and high-risk coverage costs around $2,398. Teens cost the most to insure at up to $4,048 a year.
Average premium for full coverage: $1,108
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Fit trim levels.
Price Range Variability
For the normal driver, Honda Fit insurance rates range from as cheap as $328 for your basic liability-only policy to a much higher rate of $2,398 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of using averaged prices.
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 Information
The chart below illustrates average Honda Fit insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $624
- Raising to $1,000 deductibles will save $162 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,108
- Selecting more expensive low deductibles will cost $1,424
- At-risk drivers with serious driving violations could pay around $2,398
- Policy cost with full coverage for a teen driver with full coverage can cost $4,048
Insurance rates for a Honda Fit also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,300 to $1,800 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $255 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Honda Fit insurance prices. A middle-age driver might find rates as low as $720 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,490 on average in Florida, New York, and Michigan.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy Cheaper Honda Fit Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and claims, having good credit, being claim-free, and consideration of higher deductibles. Invest the time to compare rates at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a condensed summary of the primary concepts that were presented in the illustrations above.
- It is possible to save around $140 per year just by shopping early and online
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,290 more per year to insure a Honda Fit
- Increasing comprehensive and collision deductibles could save up to $475 each year
- Drivers under the age of 20 are the costliest to insure, possibly costing $337 each 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 | $4,048 |
| 20 | $2,558 |
| 30 | $1,162 |
| 40 | $1,108 |
| 50 | $1,012 |
| 60 | $992 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,424 |
| $250 | $1,276 |
| $500 | $1,108 |
| $1,000 | $946 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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