Best Honda Fit Insurance Rates [List of Money Saving Tips]

Auto insurance rates for a Honda Fit average $1,148 a year, or around $96 a month. Good drivers can save as much as $1,770 a year over higher risk drivers.

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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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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 19, 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 $371 cheaper than the average vehicle insurance rates. Honda Fit’s full coverage insurance costs $96 per month, while liability-only coverage is as low as $38 per month. Read through our Honda Fit insurance rate guide to learn more.

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.

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 Mitsubishi Mirage, Ford Focus RS, and Volkswagen Golf R.

Vehicle Comprehensive Collision Liability Total
Honda Fit $268 $512 $258 $1,148
Mitsubishi Mirage $244 $448 $398 $1,248
Ford Focus RS $332 $656 $398 $1,544
Volkswagen Golf R $372 $660 $390 $1,580
Volkswagen Beetle $280 $542 $332 $1,290
Volkswagen Golf $306 $600 $390 $1,454
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However, there are a few things you can do to find the cheapest Honda Fit 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, 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 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 Los Angeles may pay $987 a year more than drivers in Indianapolis.

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 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

Good Honda Fit crash test ratings mean the VW is safer, which could mean cheaper Honda Fit auto 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
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Honda Fit Safety Features

The Honda Fit safety features can help lower insurance costs. According to AutoBlog, 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

Review the Honda Fit auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Honda Fit auto insurance costs; higher percentages mean higher Honda Fit auto insurance costs.

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 quotes from the best auto insurance companies using our FREE tool below.

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5 Ways to Save on Honda Fit Insurance

If you want to reduce the cost of your Honda Fit insurance rates, follow these tips below:

  • Buy An Older Honda Fit
  • Never Drink and Drive Your Honda Fit
  • Add a More Experienced Driver to Your Honda Fit Auto Insurance Policy
  • Reduce Your Coverage on an Older Honda Fit
  • Remove Young Drivers from Your Honda Fit Auto Insurance Plan

Top Honda Fit Insurance Companies

Who is the best 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 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 insurance rates from some of the top auto insurance companies by using our free online tool today.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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