Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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UPDATED: Jul 16, 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. Good drivers can save up to $473 a year in policy discounts by practicing 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 auto 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, and Volkswagen Beetle.

Vehicle Comprehensive Collision Liability Total
Honda Fit $268 $512 $258 $1,148
Ford Focus RS $332 $656 $398 $1,544
Volkswagen Golf $306 $600 $390 $1,454
Volkswagen Beetle $280 $542 $332 $1,290
Volkswagen Golf R $372 $660 $390 $1,580
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?

The Honda Fit trim and model you choose will affect 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, auto 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 effect on the cost of Honda Fit car insurance. For example, 30-year-old drivers pay approximately $51 more for their Honda Fit car 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 Houston may pay $846 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on the cost of Honda Fit car 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 auto insurance rates are influenced by 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

Good Honda Fit crash test ratings can lower your Honda Fit auto 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 Honda Fit safety features can help lower insurance costs. According to US News, 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
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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 car insurance rates 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

  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Consider Ride Sharing Services to Lower Your Honda Fit Mileage
  • Buy An Older Honda Fit
  • Purchase a Roadside Assistance Program for Your Honda Fit
  • Renew Your Honda Fit Insurance Coverage to Avoid Lapses

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
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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.