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.
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:
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.
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.
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
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.
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% |
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 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.
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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