Honda Fit Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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.

Estimated auto insurance rates for a Honda Fit are $1,108 annually for full coverage insurance. Comprehensive costs around $240 a year, collision insurance costs $474, and liability costs around $284. Liability-only insurance costs as low as $328 a year, and high-risk driver insurance costs around $2,398. Teen drivers pay the most at up to $4,048 a year.

Average premium for full coverage: $1,108

Premium estimates for type of coverage:

Comprehensive $240
Collision $474
Liability $284

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Fit trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Honda Fit range from as cheap as $328 for just the minimum liability insurance to a high of $2,398 for a high-risk insurance policy.

Liability Only $328
Full Coverage $1,108
High Risk $2,398

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance rates.

Rural Areas $831
Small Cities $1,163
Large Cities $1,496

These rate differences illustrate why it is important to compare prices for a specific zip code 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 Analysis

The chart below illustrates average Honda Fit insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $624
  • Using higher $1,000 deductibles will save about $946 each year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,108
  • Choosing low $100 deductibles for physical damage coverage will cost $1,424
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,398
  • An auto insurance policy with full coverage for a 16-year-old driver can be $4,048 or more

View Chart as Image

Honda Fit insurance cost comparison chart
Column chart showing Honda Fit insurance rates range from $624 to $4,048 for full coverage

Insurance prices for a Honda Fit also have a wide range based on the model of your Fit, your risk profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,300 to $1,800 additional annually, depending on your age. A high-risk auto insurance policy can be from 44% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $480 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $255 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda Fit insurance prices. A driver around age 40 might see prices as low as $720 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,490 on average in Michigan, New York, and Florida.

Honda Fit Insurance Rates by State
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%

View Chart as Image

Honda Fit insurance rates by U.S. city

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 $1,040 $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.

Honda Fit Insurance Rates by Model Year
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 Buy Affordable Honda Fit Insurance

Finding better rates on insurance for a Honda Fit requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to comparison shop at least every other year by quoting rates from direct insurance companies, and also from several local insurance agents.

The list below is a brief review of the car insurance concepts touched on in the above illustrations.

  • Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,290 more every year for car insurance
  • It is possible to save up to $140 per year just by quoting early and online
  • Increasing policy deductibles could save up to $475 each year
  • Insureds who may need higher liability limits will pay about $310 annually to increase from 30/60 bodily injury limits 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.

Rates by Driver Age

Honda Fit Insurance 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

Honda Fit Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,424
$250 $1,276
$500 $1,108
$1,000 $946

Full coverage, driver age 40

Rates by Liability Limit

Honda Fit Insurance Rates with Different Liability Limits
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

Honda Fit Insurance 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.

SR-22 Surcharge $158

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
Rate after discounts $624

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

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