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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...

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UPDATED: Apr 30, 2020

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Honda Fit insurance

U.S. average insurance rates for a Honda Fit are $1,168 a year with full coverage. Comprehensive insurance costs on average $280, collision costs $532, and liability coverage costs $246. A policy with just liability insurance costs as little as $298 a year, with coverage for high-risk drivers costing $2,520 or more. Teen drivers pay the highest rates at $4,156 a year or more.

Average premium for full coverage: $1,168

Price estimates by individual coverage:

Comprehensive $280
Collision $532
Liability $246

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Fit models.

Price Range from Low to High

For a driver in their 40's, Honda Fit insurance prices go from as low as $298 for only liability insurance to the much higher price of $2,520 for a driver who has had serious violations or accidents.

Liability Only $298
Full Coverage $1,168
High Risk $2,520

Geographic Price Range

Your location has a large influence on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas.

The example below illustrates how location helps determine car insurance rates.

Rural Areas $876
Small Cities $1,226
Large Cities $1,577

The ranges above demonstrate why everyone should compare rates based on a specific location and risk profile, 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $658
  • Drivers who choose higher $1,000 deductibles will pay around $184 annually
  • The average rate for the average middle-age driver with $500 deductibles is $1,168
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $358 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,520 or more
  • The price for full coverage for a teenage driver for full coverage may cost $4,156 a year

View Chart as Image

Honda Fit insurance cost comparison chart
Column chart showing full coverage Honda Fit insurance prices range from $658 to $4,156

Insurance prices for a Honda Fit are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $4,100 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 $840 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,580 on average in Florida, Michigan, and New York.

Honda Fit Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,056-$112-9.6%
Alaska$896-$272-23.3%
Arizona$970-$198-17.0%
Arkansas$1,168-$00.0%
California$1,330$16213.9%
Colorado$1,114-$54-4.6%
Connecticut$1,198$302.6%
Delaware$1,322$15413.2%
Florida$1,458$29024.8%
Georgia$1,080-$88-7.5%
Hawaii$840-$328-28.1%
Idaho$790-$378-32.4%
Illinois$872-$296-25.3%
Indiana$880-$288-24.7%
Iowa$790-$378-32.4%
Kansas$1,108-$60-5.1%
Kentucky$1,592$42436.3%
Louisiana$1,730$56248.1%
Maine$720-$448-38.4%
Maryland$962-$206-17.6%
Massachusetts$930-$238-20.4%
Michigan$2,028$86073.6%
Minnesota$978-$190-16.3%
Mississippi$1,398$23019.7%
Missouri$1,036-$132-11.3%
Montana$1,256$887.5%
Nebraska$920-$248-21.2%
Nevada$1,400$23219.9%
New Hampshire$844-$324-27.7%
New Jersey$1,304$13611.6%
New Mexico$1,032-$136-11.6%
New York$1,230$625.3%
North Carolina$672-$496-42.5%
North Dakota$958-$210-18.0%
Ohio$806-$362-31.0%
Oklahoma$1,198$302.6%
Oregon$1,074-$94-8.0%
Pennsylvania$1,112-$56-4.8%
Rhode Island$1,558$39033.4%
South Carolina$1,058-$110-9.4%
South Dakota$984-$184-15.8%
Tennessee$1,024-$144-12.3%
Texas$1,406$23820.4%
Utah$866-$302-25.9%
Vermont$798-$370-31.7%
Virginia$700-$468-40.1%
Washington$900-$268-22.9%
West Virginia$1,074-$94-8.0%
Wisconsin$808-$360-30.8%
Wyoming$1,038-$130-11.1%

View Chart as Image

Honda Fit insurance rates by U.S. city

Choosing high deductibles could save up to $550 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $222 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,400 to $1,900 extra each year, depending on your age. Honda Fit insurance for high-risk drivers can cost around 46% to 134% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, so the prices may be quite 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 TrimAnnual PremiumMonthly Premium
Honda Fit$1,092$91
Honda Fit Sport$1,168$97
Honda Fit Sport VSA$1,226$102

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 YearComprehensiveCollisionLiabilityTotal Premium
2020 Honda Fit$280$532$246$1,168
2019 Honda Fit$268$512$258$1,148
2018 Honda Fit$256$506$264$1,136
2017 Honda Fit$248$494$274$1,126
2016 Honda Fit$240$474$284$1,108
2015 Honda Fit$226$458$292$1,086
2013 Honda Fit$208$400$300$1,018
2012 Honda Fit$200$358$304$972
2011 Honda Fit$188$330$304$932
2010 Honda Fit$180$310$306$906
2009 Honda Fit$176$288$312$886
2008 Honda Fit$164$268$312$854
2007 Honda Fit$158$244$316$828

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 Low Cost Honda Fit Insurance

Getting lower rates on auto insurance not only requires being a safe driver, but also maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest time comparing rates every other policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

Here is a review of the ideas that were covered in the charts and tables above.

  • Young drivers pay the highest prices, costing up to $346 a month for full coverage
  • Drivers who have several accidents or serious violations may be required to pay an average of $1,350 more each year for insurance
  • Increasing physical damage deductibles can save around $550 each year
  • You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Honda Fit Insurance Rates by Driver Age
Driver AgePremium
16$4,156
20$2,684
30$1,232
40$1,168
50$1,066
60$1,046

Full coverage, $500 deductibles

Rates by Deductible

Honda Fit Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,526
$250$1,362
$500$1,168
$1,000$984

Full coverage, driver age 40

Rates by Liability Limit

Honda Fit Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,168
50/100$1,275
100/300$1,337
250/500$1,497
100 CSL$1,300
300 CSL$1,435
500 CSL$1,534

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Fit Insurance Rates for High Risk Drivers
AgePremium
16$5,972
20$4,268
30$2,590
40$2,520
50$2,400
60$2,378

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 $164

Potential Rate Discounts

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

DiscountSavings
Multi-policy$63
Multi-vehicle$60
Homeowner$16
5-yr Accident Free$92
5-yr Claim Free$76
Paid in Full/EFT$58
Advance Quote$60
Online Quote$85
Total Discounts$510
Rate after discounts $658

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

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