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.
U.S. average insurance rates for a Honda Fit are $886 a year with full coverage. Comprehensive insurance costs on average $176 each year, collision costs $288, and liability costs around $312. Buying just liability costs as low as $352 a year, with insurance for high-risk drivers costing $1,908 or more. 16-year-old drivers pay the highest rates at $3,364 a year or more.
Average premium for full coverage: $886
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Fit models.
Price Range from Low to High
For a 40-year-old driver, Honda Fit insurance prices go from the low end price of $352 for just liability coverage to a high rate of $1,908 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can make a big difference on auto insurance rates. Rural areas have lower incidents of collision claims than congested cities.
The graphic below illustrates how your location can change car insurance rates.
The ranges above demonstrate why all drivers should compare prices based on a specific location, 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.
Detailed Rate Analysis
The chart below details estimated Honda Fit insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $518
- Using higher $1,000 deductibles will save around $104 annually
- The estimated price for the average middle-age driver with $500 deductibles is $886
- Buying low deductibles for physical damage coverage will cost an additional $206 annually
- High-risk insureds with multiple tickets or accidents could pay upwards of $1,908 or more
- The price that insures a 16-year-old driver may cost $3,364 or more
Insurance prices for a Honda Fit are also quite variable based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,100 to $1,500 additional each year, depending on your age. Insurance for high-risk drivers can be from 45% to 138% more than the average rate. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $800 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $3,300 a year. View Rates by Age
The state you live in has a huge impact on Honda Fit insurance prices. A driver around age 40 might see prices as low as $640 a year in states like New Hampshire, Ohio, and Utah, or at least $1,200 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $310 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $281 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, and prices may be quite different.
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 Find Affordable Honda Fit Insurance
Getting lower rates on insurance for a Honda Fit requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Comparison shop once a year by quoting rates from direct companies, and also from several local insurance agents.
Below you'll find a brief review of the data that was illustrated above.
- You may be able to save as much as $100 per year simply by quoting online in advance
- Insureds who require more liability protection will pay around $340 every year to increase from a low limit to the 250/500 level
- Youthful drivers pay higher prices, costing up to $280 a month if comprehensive and collision insurance is included
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,020 more each year than a low-risk driver
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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