Honda Fit Insurance Rates
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UPDATED: Apr 30, 2020
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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 $1,148 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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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
|Model and Trim||Annual Premium||Monthly Premium|
|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.
|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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$90|
|5-yr Claim Free||$75|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.