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.
U.S. average insurance rates for a Honda Fit are $1,108 a year for full coverage. Comprehensive costs approximately $240 a year, collision insurance costs $474, and liability coverage costs $284. Buying just liability costs as little as $328 a year, and insurance for high-risk drivers costs around $2,398. Teen drivers pay the highest rates at up to $4,048 a year.
Average premium for full coverage: $1,108
Price estimates by individual coverage:
Includes $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Fit trim levels.
Price Range from Low to High
For a 40-year-old driver, Honda Fit insurance prices range from the low end price of $328 for your basic liability-only policy to a high of $2,398 for a high-risk insurance policy.
Geographic Price Range
Your location has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas. The diagram below illustrates how your location can change auto insurance prices.
The ranges above show why it is important to compare rates using their specific location, rather than using 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.
More Rate Information
The chart below shows average Honda Fit insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $624
- Drivers who choose higher $1,000 deductibles will pay $946 a year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,108
- Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,424
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,398
- The price that insures a teenage driver can cost $4,048 a year
Insurance prices for a Honda Fit are also quite variable based on the trim level of your Fit, how you drive, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you could be paying anywhere from $1,300 to $1,800 additional each year, depending on your age. A high-risk auto insurance policy can cost around 44% to 131% more than average. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age
The state you live in makes a big difference in Honda Fit insurance rates. A 40-year-old driver could pay as low as $730 a year in states like Iowa, Maine, and Idaho, or as much as $1,580 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles could save up to $480 a year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $255 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find the Cheapest Honda Fit Insurance
Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Shop around at least every other year by getting quotes from direct carriers, and also from insurance agencies where you live.
The following is a recap of the car insurance concepts illustrated above.
- Drivers that have major violations or accidents could be forced to pay on average $1,290 more per year for Fit insurance
- Drivers can save around $140 per year just by quoting early and online
- Increasing physical damage deductibles can save approximately $475 each year
- Consumers who purchase higher liability limits will pay about $310 each year to go from a low limit to the 250/500 level
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 | $4,048 |
| 20 | $2,558 |
| 30 | $1,162 |
| 40 | $1,108 |
| 50 | $1,012 |
| 60 | $992 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,424 |
| $250 | $1,276 |
| $500 | $1,108 |
| $1,000 | $946 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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