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 auto insurance rates for a Honda Fit are $886 annually for full coverage insurance. Comprehensive insurance costs approximately $176 a year, collision insurance costs $288, and liability costs $312. Liability-only insurance costs as little as $352 a year, and high-risk driver insurance costs $1,908 or more. Teen drivers cost the most to insure at up to $3,364 a year.
Average premium for full coverage: $886
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Fit trim levels.
Price Range Variability
For the normal driver, Honda Fit insurance rates range from as cheap as $352 for the bare minimum liability coverage to a high of $1,908 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance prices.
The examples above illustrate why it is important to compare rates using their specific location and their own personal driving habits, instead of making a decision based 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.
Additional Rate Information
The chart below illustrates average Honda Fit insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $518
- Drivers who choose higher $1,000 deductibles will pay $782 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $886
- Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $206 annually
- Drivers with multiple violations and an at-fault accident could pay around $1,908
- Policy cost with full coverage for a 16-year-old driver can cost $3,364 a year
Auto insurance rates for a Honda Fit also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $3,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,100 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 45% to 138% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $310 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $281 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Honda Fit insurance prices. A 40-year-old driver could pay as low as $580 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,200 on average in Florida, New York, 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% |
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 Buy the Best Cheap Honda Fit Insurance
Finding cheaper rates on insurance for a Honda Fit not only requires having a decent driving record, but also having above-average credit, being claim-free, and possibly higher deductibles. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a quick review of the information presented in the illustrations above.
- It is possible to save around $100 per year just by quoting early and online
- 16 to 18-year-old drivers have the highest car insurance rates, possibly costing $280 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save up to $300 each year
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,020 more per year than a driver with a clean driving record
- Insureds who purchase additional liability coverage will pay about $340 annually to go 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.
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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