Honda Fit Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 30, 2020

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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.

Average insurance rates for a Honda Fit are $1,136 a year for full coverage. Comprehensive costs on average $256 a year, collision costs $506, and liability insurance costs $264. A liability-only policy costs as little as $312 a year, with high-risk insurance costing around $2,460. Teen drivers receive the highest rates at $4,106 a year or more.

Average premium for full coverage: $1,136

Rate estimates by individual coverage type:

Comprehensive $256
Collision $506
Liability $264

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Fit trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $312 for only liability insurance to a high of $2,460 for a high risk driver.

Liability Only $312
Full Coverage $1,136
High Risk $2,460

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $852
Small Cities $1,193
Large Cities $1,534

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Honda Fit insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $639
  • Drivers who choose higher $1,000 deductibles will pay around $966 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,136
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,476
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,460 or more
  • The cost for full coverage for a teen driver may cost $4,106 a year

View Chart as Image

Honda Fit insurance cost comparison chart
Column chart showing full coverage Honda Fit insurance rates range from $639 to $4,106

for a Honda Fit can also vary considerably based on your driver profile, the trim level of your Fit, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,100 a year. View Rates by Age

Where you live makes a big difference in Honda Fit insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or as much as $1,620 on average in Michigan, Louisiana, and New York.

Honda Fit Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,028 -$108 -9.5%
Alaska $870 -$266 -23.4%
Arizona $942 -$194 -17.1%
Arkansas $1,136 -$0 0.0%
California $1,294 $158 13.9%
Colorado $1,086 -$50 -4.4%
Connecticut $1,166 $30 2.6%
Delaware $1,286 $150 13.2%
Florida $1,418 $282 24.8%
Georgia $1,048 -$88 -7.7%
Hawaii $816 -$320 -28.2%
Idaho $770 -$366 -32.2%
Illinois $848 -$288 -25.4%
Indiana $856 -$280 -24.6%
Iowa $768 -$368 -32.4%
Kansas $1,080 -$56 -4.9%
Kentucky $1,548 $412 36.3%
Louisiana $1,682 $546 48.1%
Maine $698 -$438 -38.6%
Maryland $938 -$198 -17.4%
Massachusetts $908 -$228 -20.1%
Michigan $1,972 $836 73.6%
Minnesota $950 -$186 -16.4%
Mississippi $1,364 $228 20.1%
Missouri $1,008 -$128 -11.3%
Montana $1,220 $84 7.4%
Nebraska $896 -$240 -21.1%
Nevada $1,364 $228 20.1%
New Hampshire $820 -$316 -27.8%
New Jersey $1,268 $132 11.6%
New Mexico $1,008 -$128 -11.3%
New York $1,196 $60 5.3%
North Carolina $654 -$482 -42.4%
North Dakota $930 -$206 -18.1%
Ohio $786 -$350 -30.8%
Oklahoma $1,166 $30 2.6%
Oregon $1,044 -$92 -8.1%
Pennsylvania $1,082 -$54 -4.8%
Rhode Island $1,514 $378 33.3%
South Carolina $1,030 -$106 -9.3%
South Dakota $958 -$178 -15.7%
Tennessee $994 -$142 -12.5%
Texas $1,368 $232 20.4%
Utah $842 -$294 -25.9%
Vermont $776 -$360 -31.7%
Virginia $682 -$454 -40.0%
Washington $878 -$258 -22.7%
West Virginia $1,044 -$92 -8.1%
Wisconsin $786 -$350 -30.8%
Wyoming $1,010 -$126 -11.1%

View Chart as Image

Honda Fit insurance rates by U.S. city

Choosing high deductibles could save up to $510 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $237 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $1,800 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 138% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,066 $89
Honda Fit Sport $1,136 $95
Honda Fit Sport VSA $1,192 $99

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 $256 $506 $264 $1,136
2014 Honda Fit $200 $358 $304 $972
2013 Honda Fit $188 $330 $304 $932
2012 Honda Fit $180 $310 $306 $906
2010 Honda Fit $164 $268 $312 $854
2009 Honda Fit $158 $244 $316 $828
2008 Honda Fit $148 $222 $312 $792
2007 Honda Fit $140 $202 $312 $764

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 Cheaper Honda Fit Insurance

Saving money on Honda Fit insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $500 each year
  • Drivers can save as much as $140 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $290 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $342 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,320 more each year for insurance

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 $4,106
20 $2,626
30 $1,198
40 $1,136
50 $1,038
60 $1,018

Full coverage, $500 deductibles

Rates by Deductible

Honda Fit Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,476
$250 $1,318
$500 $1,136
$1,000 $966

Full coverage, driver age 40

Rates by Liability Limit

Honda Fit Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,136
50/100 $1,245
100/300 $1,311
250/500 $1,482
100 CSL $1,271
300 CSL $1,416
500 CSL $1,522

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Fit Insurance Rates for High Risk Drivers
Age Premium
16 $5,894
20 $4,178
30 $2,526
40 $2,460
50 $2,348
60 $2,326

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 $161

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $59
Homeowner $16
5-yr Accident Free $89
5-yr Claim Free $74
Paid in Full/EFT $56
Advance Quote $59
Online Quote $82
Total Discounts $497
Rate after discounts $639

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

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