How Much is Insurance for a Honda Fit? [Rates + Cheap Coverage Guide]
Honda Fit insurance rates are $96 a month on average, but your 2015 Honda Fit insurance cost will be more than 2007 Honda Fit insurance rates. Our guide compares Honda Fit insurance coverage across the age of your vehicle and by insurance company, with State Farm and GEICO being the most popular for affordable Honda Fit insurance policies.
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Written by
Rachel Bodine
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Reviewed by
Leslie Kasperowicz
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UPDATED: Oct 30, 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 insurance rates are about $371 less per year than the average vehicle with full coverage costing around $1,148 a year or $96 a month. The highest rates are for teens who will pay around $4,196 a year or $350 a month.
Policy discounts up to $473 a year are available to good drivers who practice safe driving habits. Let’s take a quick look at Honda Fit insurance rates, safety ratings, and more.
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.
Table of Contents
Honda Fit Insurance Cost
The average Honda Fit car insurance costs are $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 |
| Mitsubishi Mirage | $244 | $448 | $398 | $1,248 |
| Volkswagen Beetle | $280 | $542 | $332 | $1,290 |
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?
The Honda Fit trim and model you choose can impact the total price you will pay for Honda Fit insurance coverage.
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 |
Driver Age
Driver age can have a significant effect on the cost of Honda Fit car insurance. For example, a 20-year-old driver could pay around $117 more each month for their Honda Fit car insurance than a 30-year-old driver.
Driver Location
Where you live can have a large impact on Honda Fit insurance rates. For example, drivers in Los Angeles may pay $164 a year more than drivers in Houston.
Your Driving Record
Your driving record can have an impact on the cost of Honda Fit auto insurance. Teens and drivers in their 20’s see the highest jump in their Honda Fit auto insurance rates with violations on their driving record.
Honda Fit Safety Ratings
Your Honda Fit car insurance rates are influenced by the safety ratings of the Honda Fit. 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 | |
Honda Fit Crash Test Ratings
Honda Fit crash test ratings will affect your Honda Fit car insurance rates.
| 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 | ||||
|---|---|---|---|---|
Honda Fit Safety Features
The numerous safety features of the Honda Fit help contribute to lower insurance rates. The 2020 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 affects Honda Fit car 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 | |
Honda Fit Finance and Insurance Cost
If you are financing a Honda Fit, you will pay more if you purchase Honda Fit auto insurance at the dealership, so be sure to shop around and compare Honda Fit auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Honda Fit Insurance
You have more options at your disposal to save money on your Honda Fit auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Honda Fit car insurance rates
- Ask About Farm and Ranch Vehicle Discounts
- Talk to Your Credit Card Company to Save on Rental Car Costs
- Ask About Retiree Discounts
- Get Honda Fit Auto Insurance Through Costco
- Take a Defensive Driving Course or Any Driver’s Education Course
Top Honda Fit Insurance Companies
Who is the top car 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 | |||
Compare Free Honda Fit Insurance Quotes Online
You can start comparing quotes for Honda Fit auto insurance rates from some of the best auto insurance companies by using our free online tool now.