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.
Average auto insurance rates for a Honda Fit are $1,126 annually for full coverage. Comprehensive costs an estimated $248, collision insurance costs $494, and liability insurance costs $274. Buying just liability costs as little as $322 a year, and insurance for high-risk drivers costs around $2,444. Teenage drivers receive the highest rates at up to $4,098 a year.
Average premium for full coverage: $1,126
Rate estimates broken down by individual coverage type:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Fit models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $322 for just the minimum liability insurance to the much higher price of $2,444 for a high-risk insurance policy.
Price Range by Location
Your location has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities. The example below illustrates how location helps determine insurance prices.
These examples show why everyone should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.
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 shows average Honda Fit insurance rates for other coverage scenarios.
- The best discount rate is $634
- Drivers who choose higher $1,000 deductibles will pay approximately $168 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,126
- Using pricier low deductibles for comprehensive and collision insurance will cost $1,456
- High risk drivers who are prone to accidents and violations could pay up to $2,444
- The cost with full coverage for a teen driver for full coverage can cost as much as $4,098 a year
Auto insurance rates for a Honda Fit can also vary considerably based on the trim level of your Fit, your driver profile, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $4,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,300 to $1,800 in extra premium per year, depending on your age. Honda Fit insurance for high-risk drivers can cost anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $500 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $246 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Honda Fit insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,610 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,018 | -$108 | -9.6% |
| Alaska | $864 | -$262 | -23.3% |
| Arizona | $936 | -$190 | -16.9% |
| Arkansas | $1,126 | -$0 | 0.0% |
| California | $1,284 | $158 | 14.0% |
| Colorado | $1,074 | -$52 | -4.6% |
| Connecticut | $1,156 | $30 | 2.7% |
| Delaware | $1,274 | $148 | 13.1% |
| Florida | $1,408 | $282 | 25.0% |
| Georgia | $1,040 | -$86 | -7.6% |
| Hawaii | $812 | -$314 | -27.9% |
| Idaho | $764 | -$362 | -32.1% |
| Illinois | $838 | -$288 | -25.6% |
| Indiana | $848 | -$278 | -24.7% |
| Iowa | $762 | -$364 | -32.3% |
| Kansas | $1,070 | -$56 | -5.0% |
| Kentucky | $1,534 | $408 | 36.2% |
| Louisiana | $1,668 | $542 | 48.1% |
| Maine | $694 | -$432 | -38.4% |
| Maryland | $928 | -$198 | -17.6% |
| Massachusetts | $900 | -$226 | -20.1% |
| Michigan | $1,956 | $830 | 73.7% |
| Minnesota | $944 | -$182 | -16.2% |
| Mississippi | $1,348 | $222 | 19.7% |
| Missouri | $1,000 | -$126 | -11.2% |
| Montana | $1,212 | $86 | 7.6% |
| Nebraska | $888 | -$238 | -21.1% |
| Nevada | $1,354 | $228 | 20.2% |
| New Hampshire | $812 | -$314 | -27.9% |
| New Jersey | $1,256 | $130 | 11.5% |
| New Mexico | $998 | -$128 | -11.4% |
| New York | $1,186 | $60 | 5.3% |
| North Carolina | $646 | -$480 | -42.6% |
| North Dakota | $920 | -$206 | -18.3% |
| Ohio | $780 | -$346 | -30.7% |
| Oklahoma | $1,156 | $30 | 2.7% |
| Oregon | $1,036 | -$90 | -8.0% |
| Pennsylvania | $1,074 | -$52 | -4.6% |
| Rhode Island | $1,502 | $376 | 33.4% |
| South Carolina | $1,020 | -$106 | -9.4% |
| South Dakota | $952 | -$174 | -15.5% |
| Tennessee | $984 | -$142 | -12.6% |
| Texas | $1,356 | $230 | 20.4% |
| Utah | $836 | -$290 | -25.8% |
| Vermont | $770 | -$356 | -31.6% |
| Virginia | $674 | -$452 | -40.1% |
| Washington | $870 | -$256 | -22.7% |
| West Virginia | $1,036 | -$90 | -8.0% |
| Wisconsin | $780 | -$346 | -30.7% |
| Wyoming | $1,000 | -$126 | -11.2% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Fit | $1,056 | $88 |
| Honda Fit Sport | $1,126 | $94 |
| Honda Fit Sport VSA | $1,180 | $98 |
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 | $248 | $494 | $274 | $1,126 |
| 2014 Honda Fit | $188 | $330 | $304 | $932 |
| 2013 Honda Fit | $180 | $310 | $306 | $906 |
| 2012 Honda Fit | $176 | $288 | $312 | $886 |
| 2010 Honda Fit | $158 | $244 | $316 | $828 |
| 2009 Honda Fit | $148 | $222 | $312 | $792 |
| 2008 Honda Fit | $140 | $202 | $312 | $764 |
| 2007 Honda Fit | $134 | $182 | $310 | $736 |
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 Affordable Honda Fit Insurance
Saving money on Honda Fit insurance not only requires being a good driver, but also having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Invest time comparing rates at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a brief review of the car insurance concepts covered in the charts and tables above.
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,320 more annually than a safer driver
- Drivers can save approximately $140 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $500 each year
- Drivers who want an increased level of liability coverage will pay an extra $300 each year to go from a minimum limit to higher 250/500 limits
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 | $4,098 |
| 20 | $2,606 |
| 30 | $1,184 |
| 40 | $1,126 |
| 50 | $1,028 |
| 60 | $1,010 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,456 |
| $250 | $1,302 |
| $500 | $1,126 |
| $1,000 | $958 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,126 |
| 50/100 | $1,235 |
| 100/300 | $1,303 |
| 250/500 | $1,481 |
| 100 CSL | $1,262 |
| 300 CSL | $1,413 |
| 500 CSL | $1,523 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,882 |
| 20 | $4,152 |
| 30 | $2,506 |
| 40 | $2,444 |
| 50 | $2,330 |
| 60 | $2,310 |
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 | $61 |
| Multi-vehicle | $59 |
| Homeowner | $16 |
| 5-yr Accident Free | $88 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $55 |
| Advance Quote | $58 |
| Online Quote | $81 |
| Total Discounts | $492 |
Discounts are estimated and may not be available from every company or in every state.
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