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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. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 30, 2020

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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.

U.S. average insurance rates for a Honda Fit are $1,148 a year with full coverage. Comprehensive insurance costs on average $268, collision costs $512, and liability coverage costs $258. A policy with just liability insurance costs as little as $306 a year, with coverage for high-risk drivers costing $2,474 or more. Teen drivers pay the highest rates at $4,110 a year or more.

Average premium for full coverage: $1,148

Price estimates by individual coverage:

Comprehensive $268
Collision $512
Liability $258

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 $306 for only liability insurance to the much higher price of $2,474 for a driver who has had serious violations or accidents.

Liability Only $306
Full Coverage $1,148
High Risk $2,474

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 $861
Small Cities $1,205
Large Cities $1,550

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 $647
  • Drivers who choose higher $1,000 deductibles will pay around $178 annually
  • The average rate for the average middle-age driver with $500 deductibles is $1,148
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $342 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,474 or more
  • The price for full coverage for a teenage driver for full coverage may cost $4,110 a year

View Chart as Image

Honda Fit insurance cost comparison chart
Column chart showing full coverage Honda Fit insurance prices range from $647 to $4,110

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 $830 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,550 on average in Florida, Michigan, and New York.

Honda Fit Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,036 -$112 -9.8%
Alaska $880 -$268 -23.3%
Arizona $952 -$196 -17.1%
Arkansas $1,148 -$0 0.0%
California $1,304 $156 13.6%
Colorado $1,094 -$54 -4.7%
Connecticut $1,176 $28 2.4%
Delaware $1,296 $148 12.9%
Florida $1,430 $282 24.6%
Georgia $1,060 -$88 -7.7%
Hawaii $822 -$326 -28.4%
Idaho $776 -$372 -32.4%
Illinois $854 -$294 -25.6%
Indiana $864 -$284 -24.7%
Iowa $774 -$374 -32.6%
Kansas $1,088 -$60 -5.2%
Kentucky $1,560 $412 35.9%
Louisiana $1,694 $546 47.6%
Maine $704 -$444 -38.7%
Maryland $944 -$204 -17.8%
Massachusetts $914 -$234 -20.4%
Michigan $1,988 $840 73.2%
Minnesota $960 -$188 -16.4%
Mississippi $1,372 $224 19.5%
Missouri $1,016 -$132 -11.5%
Montana $1,232 $84 7.3%
Nebraska $900 -$248 -21.6%
Nevada $1,372 $224 19.5%
New Hampshire $826 -$322 -28.0%
New Jersey $1,280 $132 11.5%
New Mexico $1,012 -$136 -11.8%
New York $1,206 $58 5.1%
North Carolina $658 -$490 -42.7%
North Dakota $936 -$212 -18.5%
Ohio $790 -$358 -31.2%
Oklahoma $1,174 $26 2.3%
Oregon $1,052 -$96 -8.4%
Pennsylvania $1,094 -$54 -4.7%
Rhode Island $1,528 $380 33.1%
South Carolina $1,038 -$110 -9.6%
South Dakota $968 -$180 -15.7%
Tennessee $1,004 -$144 -12.5%
Texas $1,380 $232 20.2%
Utah $848 -$300 -26.1%
Vermont $782 -$366 -31.9%
Virginia $686 -$462 -40.2%
Washington $882 -$266 -23.2%
West Virginia $1,052 -$96 -8.4%
Wisconsin $794 -$354 -30.8%
Wyoming $1,020 -$128 -11.1%

View Chart as Image

Honda Fit insurance rates by U.S. city

Choosing high deductibles could save up to $520 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 $232 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 $1,800 extra each year, depending on your age. Honda Fit insurance for high-risk drivers can cost around 44% to 136% 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 Trim Annual Premium Monthly Premium
Honda Fit $1,074 $90
Honda Fit Sport $1,148 $96
Honda Fit Sport VSA $1,204 $100

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 $268 $512 $258 $1,148
2019 Honda Fit $256 $506 $264 $1,136
2018 Honda Fit $248 $494 $274 $1,126
2017 Honda Fit $240 $474 $284 $1,108
2016 Honda Fit $226 $458 $292 $1,086
2015 Honda Fit $218 $424 $298 $1,050
2013 Honda Fit $200 $358 $304 $972
2012 Honda Fit $188 $330 $304 $932
2011 Honda Fit $180 $310 $306 $906
2010 Honda Fit $176 $288 $312 $886
2009 Honda Fit $164 $268 $312 $854
2008 Honda Fit $158 $244 $316 $828
2007 Honda Fit $148 $222 $312 $792

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 $343 a month for full coverage
  • Drivers who have several accidents or serious violations may be required to pay an average of $1,330 more each year for insurance
  • Increasing physical damage deductibles can save around $525 each year
  • You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date

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 $4,110
20 $2,636
30 $1,208
40 $1,148
50 $1,046
60 $1,026

Full coverage, $500 deductibles

Rates by Deductible

Honda Fit Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,490
$250 $1,330
$500 $1,148
$1,000 $970

Full coverage, driver age 40

Rates by Liability Limit

Honda Fit Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,148
50/100 $1,256
100/300 $1,320
250/500 $1,488
100 CSL $1,281
300 CSL $1,423
500 CSL $1,527

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Fit Insurance Rates for High Risk Drivers
Age Premium
16 $5,902
20 $4,196
30 $2,542
40 $2,474
50 $2,360
60 $2,338

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 $162

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $59
Homeowner $16
5-yr Accident Free $90
5-yr Claim Free $75
Paid in Full/EFT $57
Advance Quote $59
Online Quote $83
Total Discounts $501
Rate after discounts $647

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

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