How Much is Insurance on a Honda Fit? [Guide + Free Quotes]

The cost of Honda Fit auto insurance rates are $1,148 a year, or around $96 a month on average. On average, comprehensive coverage costs $280, collision coverage costs $408, and liability coverage costs $324 for Honda Fit insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 7, 2020

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Key Takeaways:

  • Full coverage costs around $1,148 a year or $96 each month
  • A liability-only policy costs around $460 a year or $38 each month
  • Highest rates are for teenage drivers at around $4,196 a year or $350 each month
  • Good drivers can save as much as $473 a year by earning policy discounts
  • Honda Fit insurance costs around $371 less per year than the average vehicle

Honda Fit car insurance rates amount to $1,148 a year, or $96 a month on average. Some of the factors that determine Honda Fit rates include the age and location of the policyholder, along with the model year of the car. Take advantage of this comprehensive article to help you in your search for Honda Fit insurance rates that work for you.

You can start comparing quotes for Honda Fit car insurance rates from some of the best car insurance companies by using our free online tool now.

Honda Fit Insurance Cost

The average auto insurance rates for a Honda Fit cost $1,148 a year or $96 a month.

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Are Honda Fits Expensive to Insure?

The chart below details how Honda Fit insurance rates compare to other subcompact hatchbacks like the Ford Focus RS, Volkswagen Golf R, and Volkswagen Golf.

Vehicle Comprehensive Collision Liability Total
Honda Fit $268 $512 $258 $1,148
Ford Focus RS $332 $656 $398 $1,544
Volkswagen Golf R $372 $660 $390 $1,580
Volkswagen Golf $306 $600 $390 $1,454
Volkswagen Beetle $280 $542 $332 $1,290
Mitsubishi Mirage $244 $448 $398 $1,248
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However, there are a few things you can do to find the cheapest Honda insurance rates online.

What Impacts the Cost of Honda Fit Insurance?

Even though the average annual rate for the Honda Fit is $1,148, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Honda Fit.

Age of the Vehicle

Older Honda Fit models generally cost less to insure. For example, car insurance for a 2019 Honda Fit costs $1,148, while 2010 Honda Fit insurance costs are $906, a difference of $242.

Model Year Comprehensive Collision Liability Total
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
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Driver Age

Driver age can have a significant impact on the cost of Honda Fit auto insurance. For example, 20-year-old drivers pay as much as $1,455 more each year for their Honda Fit auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Honda Fit insurance rates. For example, drivers in New York may pay $700 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on your Honda Fit auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Honda Fit car insurance with violations on their driving record.

Honda Fit Safety Ratings

Your Honda Fit auto insurance rates are tied to the Honda Fit’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Honda Fit Crash Test Ratings

If the Honda Fit crash test ratings are good, you could have lower Honda Fit car insurance rates. See Honda Fit crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2019 Honda Fit 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2018 Honda Fit 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2017 Honda Fit 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2016 Honda Fit 5 HB FWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Honda Fit Safety Features

The safety features of the Honda Fit can impact your Honda Fit car insurance rates. The Honda Fit has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • Front Disc/Rear Drum Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control

Honda Fit Insurance Loss Probability

Another contributing factor that plays a direct role in Honda Fit insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision -11%
Property Damage -22%
Comprehensive -10%
Personal Injury -1%
Medical Payment -3%
Bodily Injury -8%
Source: Insurance Institute for Highway Safety
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Honda Fit Finance and Insurance Cost

If you are financing a Honda Fit, most lenders will require your carry higher Honda Fit coverage options including comprehensive coverage, so be sure to shop around and compare Honda Fit auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on Honda Fit Insurance

There are several ways you can save even more on your Honda Fit car insurance rates. Take a look at the following five tips:

  • Ask for a Honda Fit Discount If You Have College Degree or Higher
  • Remove Unnecessary Insurance Once Your Honda Fit is Paid Off
  • Remove Young Drivers from Your Honda Fit Insurance When They Move Out or Go to School
  • Get a Plan with Only Liability Coverage If You’re Driving an Older Honda Fit
  • Take a Defensive Driving Course or Any Driver’s Education Course

Top Honda Fit Insurance Companies

Who is the top auto insurance company for Honda Fit insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Honda Fit auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Honda Fit offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Honda Fit Insurance Quotes Online

Start comparing Honda Fit car insurance quotes for free by using our convenient online comparison tool.
How much is Honda Fit car insurance? Generally speaking, the Honda Fit has great car insurance rates but read on to learn all about auto insurance costs.

You want a car that gets great gas mileage and fits neatly into your busy life. You’ve finally found the car you’ve always wanted and it’s called the Honda Fit.

Finding cheap Honda Fit insurance rates doesn’t have to be so difficult, though! To get personalized Honda Fit car insurance quotes online from many different insurance companies then just enter your ZIP above for a free Honda Fit auto insurance quote comparison!

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How do I find cheap car insurance rates for a Honda Fit?

Insurance is vital to getting your new car running on the road and protecting it from all of the other crazy drivers out there, but how can you make sure you get the best deal on auto insurance?

The average insurance costs for a Honda Fit are relatively low compared to most cars since the Honda Fit is safe, economical, and affordable. However, we don’t want just average rates, right? We want cheap insurance rates!

You should know that there are many different factors that go into finding what the insurance rate will be for your Honda Fit. Did you know that California insurance rates will differ from Florida insurance rates or Texas insurance rates or, well, you get the picture, right?

Where you live, drive, and park your car plays a big part in calculating the rate you will pay.

Additionally, Honda Fit EV insurance rates could end up being different than the insurance rates for a Honda Fit Hybrid car. Just how much different? Well, in true lawyer fashion, the answer is, it depends.

Rates also change over time. With rates changing so often, it’s a smart strategy to compare insurance quotes online and see how much money you might be able to save.

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How Do Insurance Companies Levy Rates?

Insurance companies change their rates based on a variety of different factors including, but not limited to:

In order to the get the best rate of auto insurance on your new Fit, it’s essential that you know the intricate details of your car and how the features can assist you in getting a lower car insurance rate.

Knowing Your Vehicle Can Do a World of Good

Perhaps you’ve bought your car because of the gas mileage or the gorgeous body design, but those features aren’t going to help lower your insurance rates. Features that may help lower your car insurance rate on your new Honda Fit include:

  • Front, front-side, and side curtain airbags to protect all the passengers you can cram into your new car
  • Anti-Lock Brakes
  • Active front headrests that move on impact to reduce the risk of whiplash during a crash
  • Vehicle Stability Assist (VSA) which aids the driver in maintaining control if wheel slippage is detected by the system
  • Side impact door beams to protect passengers in the case of a side impacting collision
  • Lower anchors on rear seats to assist in anchoring child safety seats securely
  • Child-proof rear door locks to keep your little ones safely inside the vehicle
  • Ultra-low emission engine as rated by the California Air Resources Board
  • Front three-point seat belt system with automatic tension system when the brakes are suddenly hit

All of these features increase the safety of the driver and passengers and reduce the possibility of an accident, leading to lower insurance rates. You can also add features when purchasing your new Honda Fit that will assist in lowering your insurance rates as well. Some of these features include:

  • Security system
  • Wheel locks
  • Fog lights
  • Interior illuminations

And Honda even provides a First Aid Kit option that outfits your new Honda Fit with a fully packed first aid kit in case you’re ever injured or stranded on the side of the road.

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How do I lower my Honda Fit car insurance costs?

All of the above options are going to help in keeping your auto insurance rate relatively low. Along with good driving discounts, it’s not impossible to keep a fairly low rate throughout the life of your vehicle.

Rates differ from company to company and change due to personal circumstances so it is always best to shop around a while before deciding on an insurance company.

Our free tool will allow you to compare quotes online to make sure you’re getting the best deal on your Honda Fit car insurance.

Enter your ZIP below to start comparing free Honda Fit auto insurance quotes now!

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Average Monthly Car Insurance Rates by State