Honda Fit Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
The average insurance prices for a Honda Fit are $886 every 12 months for full coverage. Comprehensive insurance costs an estimated $176, collision costs $288, and liability costs around $312. A liability-only policy costs as low as $352 a year, with high-risk insurance costing $1,908 or more. 16-year-old drivers cost the most to insure at $3,364 a year or more.
Average premium for full coverage: $886
Policy rates broken down by type of insurance:
Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Fit models.
Price Range Variability
For a driver around age 40, Honda Fit insurance rates go from the cheapest price of $352 for your basic liability-only policy to the much higher price of $1,908 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than congested cities.
The example below illustrates the difference between rural and urban areas on insurance prices.
The examples above show why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based 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 Information
The chart below shows estimated Honda Fit insurance rates for other coverage scenarios.
- The best full coverage rate is $518
- Using higher $1,000 deductibles will save approximately $104 a year
- The average price for a good driver age 40 who has $500 deductibles is $886
- Buying pricier low deductibles for physical damage coverage costs an extra $206 annually
- High-risk insureds with multiple tickets or accidents could pay up to $1,908 or more
- Policy cost to insure a 16-year-old driver for full coverage can cost as much as $3,364 or more
Car insurance rates for a Honda Fit also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles could cut rates by as much as $310 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $281 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $3,300 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,100 to $1,500 extra every year, depending on your age. Honda Fit insurance for high-risk drivers can be from 45% to 138% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Honda Fit insurance prices. A driver around age 40 might see rates as low as $590 a year in states like Iowa, Maine, and Idaho, or at least $1,270 on average in New York, Louisiana, and Michigan.
| 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% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be varied.
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 the Best Cheap Honda Fit Insurance
Finding cheaper rates on insurance for a Honda Fit requires being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at least once a year by getting rate quotes from direct carriers, and also from several local insurance agents.
Below is a quick review of the primary concepts that were covered above.
- Drivers can save approximately $100 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,020 more annually for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $300 each year
- Teenage drivers have the highest car insurance rates, costing up to $280 each month if the policy includes 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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