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.

The average auto insurance rates for a Honda Fit are $1,108 annually including full coverage. Comprehensive insurance costs around $240 each year, collision insurance costs $474, and liability insurance costs around $284. A liability-only policy costs as low as $328 a year, and high-risk insurance costs $2,398 or more. Teen drivers cost the most to insure at up to $4,048 a year.

Average premium for full coverage: $1,108

Policy rates for type of insurance:

Comprehensive $240
Collision $474
Liability $284

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Fit models.

Price Range Variability

For a 40-year-old driver, Honda Fit insurance rates range from as cheap as $328 for a discount liability-only rate to a high rate of $2,398 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how your location can change auto insurance rates.

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

The examples above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, 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.

Rates by State, City, and Model

The chart below breaks down average Honda Fit insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $624
  • Using higher $1,000 deductibles will save about $162 every year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,108
  • Choosing low deductibles for physical damage coverage costs an additional $316 a year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,398
  • Policy cost with full coverage for a teen driver can be $4,048 or more

View Chart as Image

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

Car insurance rates for a Honda Fit also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $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 likely paying at least $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $480 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $255 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Honda Fit insurance rates. A driver around age 40 might see rates as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,580 on average in Michigan, New York, and Louisiana.

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

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 Buy the Best Cheap Honda Fit Insurance

Finding cheaper rates on Honda Fit insurance requires being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around at least every other year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a quick review of the car insurance concepts illustrated above.

  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,290 more every year for auto insurance
  • You may be able to save up to $140 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save up to $475 each year
  • Drivers who may need higher levels of liability will pay about $310 per year to increase from a 30/60 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.

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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