Honda Fit Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Honda Fit costs less than most other cars to insure.

• Full coverage for a Fit generally comes in at around $140 a month, while liability only auto insurance premiums come in at about $67 per month.

• The lowest insurance company for a Fit is AmericanAlliance.

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Fit Overview

With a base price of just $16,190 for 2020 models, the Honda Fit is a great car for drivers on a budget. Even more exciting than being on the affordable end of the spectrum when it comes to overall price point, it's also a smart budget option when considering your car insurance prices.

After analyzing thousands of auto insurance quotes through Compare.com, we've determined that average Honda Fit insurance rates run around $136 a month. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Honda Fit?

If you look at the table above, you'll see that Honda Fit insurance prices are cheaper than average compared to other vehicles. Fit owners normally pay about $67 per month for liability insurance, and around $140 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

When compared to other Honda models, the Fit is more affordable, with rates more than 10% lower than the rest of the company's vehicle offerings. Similarly, coverage for the Fit is more affordable when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive premiums than other cars.

When compared to all vehicles, regardless of body style, make, or model, the Fit follows a similar pattern of having below average car insurance rates.

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Who has the Cheapest Car Insurance for a Honda Fit?

If you're browsing for a car insurance policy for a Honda Fit, you're likely interested in which carrier offers the cheapest rates. Although premiums can vary pretty significantly depending on your driver profile, CaliforniaCasualty has the cheapest average rates for liability only coverage, with rates as cheap as $25 a month. The runner up for most affordable rates is ACG, with insurance policies starting as cheap as just $30 monthly.

Finishing off the rest of the top 5 are Mile Auto, Hugo, and NationalGeneral. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance companies take a wide array of different things into consideration when offering you rates. The only way to guarantee you find the lowest rates is to compare quotes from a range of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Honda Fit?

As we mentioned above, there are a bunch of factors that car insurance companies look at to calculate how much they charge for a policy -- and each company weighs certain pieces more than others, so there's not a singular carrier that's the cheapest for every driver.

The sections below show a whole bunch of variables insurance carriers use to decide rates:

Vehicle Age

The Honda Fit has been around for a while, so vehicle age will likely make a big difference in what you end up paying for auto insurance. Typically, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually go down.

Based on the above table, the Honda Fit bucks the trend, as the most expensive models to insure are those that are 11 to 14 years old, while the cheapest Fits are 6 to 7 years old, on average.

Your Age

Your age is another factor that plays a significant role in how much car insurance companies will charge you for a policy. Based on the information above, the youngest drivers have much higher prices compared to drivers with more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Car insurance prices continue to go lower as you get older, with drivers aged 45-54 making up the cheapest age group for the Fit.

Your Gender

Did you know men typically pay more for auto insurance than women? This is because women are less likely to get into accidents and get speeding tickets, which lowers the chances of an insurance claim. When it comes to Fit drivers specifically, men pay about 8% more than women per month for insurance.

Where You Live

It may seem like common sense that things such as how old you are and what vehicle you drive play a role in your car insurance rates, but did you know that where you live can have just as much as an impact? Since auto insurance is regulated on a state-by-state basis, prices differ quite a bit from state to state.

For example, the average Honda Fit driver in New York pays around $150 a month for liability coverage. Meanwhile, on average, the same owner from California will pay less than half of that price. The table above shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change depending on where you live.

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Honda Fit Car Insurance Discounts

Whatever your car, your home state, or your age, it's always important to take advantage of as many car insurance discounts as possible.

While no two insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Pay-in-full discounts for drivers who agree to pay their entire policy price at once, rather than in monthly installments
• Multi-policy discounts for bundling your home and auto policies with the same company
• Multi-car discounts for having more than one vehicle on your auto policy
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution

There are all sorts of other discounts out there for saving money on your auto insurance. And often, the best way to save isn't through a "discount" at all, but rather by having a profile that looks good to insurance companies.

While you may not have control of every variable car insurance carriers take a look at to calculate prices (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use in your favor in order to save on insurance:

Your Driving Record

It's no secret that car insurance companies offer the most affordable premiums to drivers with clean records. It should be no surprise that if you get speeding tickets or get into a collision, insurance prices will increase. But how much will they cost you?

Looking at the table above, you'll notice that accidents will usually cost Fit drivers more than tickets, but both will cause a significant increase in rates. Honda Fit drivers with a single ticket will pay about $77 monthly, while drivers with one accident on their record pay an average of $83 a month (up $16 from the $67/mo. overall average). Drivers who have more than one of either violation will end up paying even more.

How Much You Drive

The amount of miles you drive plays a role in your auto insurance rates. Those who drive less often are less likely to get into collisions, so they'll usually end up paying less for insurance. Above, you can see that Honda Fit owners who drive 10,000 miles or more pay $67 for auto insurance, while those who drive fewer than 2,500 miles every year pay about $56 per month.

If you happen to be one of those drivers who put very few miles on your Honda Fit each year, it may be worth learning about usage-based or pay-per-mile car insurance. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Honda Fits Compare to Other Vehicles?

If you're thinking about purchasing a new vehicle and a Honda Fit is on your shortlist, it might be helpful to do your research. Insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering carefully.

Check out the table below to see how the Honda Fit stacks up:

Overall, the Honda Fit is a great value when it comes to price, with an MSRP that's less than half of the going rate for a new vehicle. The Fit starts at $16,190, which is quite a bit lower than the national average vehicle MSRP of $46,516.

Liability insurance for a Honda Fit is about $9 per month less than average, while full coverage is over $20 more monthly.

When it comes to usage, Honda Fit drivers are far from the national average in annual miles driven, with 10,417 miles per year compared to 11,673 for all vehicles.

Honda Fit Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect how much the average driver pays for auto insurance. But if you're in thinking about buying a new car, truck, or SUV and the Fit is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

That's why we've done the heavy lifting and analyzed Honda Fit car insurance premiums by model year. Choose a specific Fit model year in the dropdown below and see average rates for both liability only and full coverage. We've included some additional information you might find helpful, too, like available trims, the cheapest insurance carrier, and base price for each Fit model year.

Choose Your Model

2020 Honda Fit Car Insurance 2019 Honda Fit Car Insurance 2018 Honda Fit Car Insurance 2017 Honda Fit Car Insurance 2016 Honda Fit Car Insurance 2015 Honda Fit Car Insurance 2014 Honda Fit Car Insurance 2013 Honda Fit Car Insurance 2012 Honda Fit Car Insurance 2011 Honda Fit Car Insurance 2010 Honda Fit Car Insurance 2009 Honda Fit Car Insurance 2008 Honda Fit Car Insurance

2020 Honda Fit Car Insurance

You can expect full coverage for a 2020 Honda Fit to run around $190 a month, while liability only coverage will average about $72 per month.

DirectGeneral offered the cheapest policy we found, with rates as little as just $24 monthly.

If you want to know exactly how much you can expect to pay for your Fit, just enter your ZIP code below and get several free quotes in minutes.

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2019 Honda Fit Car Insurance

It costs around $73 a month for liability or $162 for a full coverage policy for the 2019 Fit.

Hugo has prices sometimes as low as $21 per month for the 2019 Honda Fit.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2018 Honda Fit Car Insurance

The average cost to insure a 2018 Honda Fit with liability only coverage is $73 a month, while full coverage runs about $165 monthly.

We found Liberty Mutual offered the most affordable policy, with rates as low as $20 per month.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get lots of free customized quotes.

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2017 Honda Fit Car Insurance

2017 Fit drivers can expect to pay an average of $68 a month for liability or $150 for full coverage.

With rates sometimes as little as $24 per month, Mercury offered the lowest policy we found for the 2017 Honda Fit.

If you're looking for a more exact figure on what you should pay for insurance for a 2017 Honda Fit, you can get free quotes in minutes by just entering your ZIP code below.

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2016 Honda Fit Car Insurance

On average, drivers who own a 2016 Honda Fit can expect to pay $63 to $149 monthly for liability only and full coverage auto insurance, respectively.

With premiums as little as $19 a month, Liberty Mutual offered the most affordable policy we found.

These average rates are a great starting point if you're in the market for a 2016 Honda Fit, but there are multiple different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2015 Honda Fit Car Insurance

It costs around $68 per month for liability or $138 for a full coverage policy for the 2015 Fit.

Looking for the lowest policy? Liberty Mutual offered liability only coverage for as low as just $20 monthly.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get multiple customized quotes for free.

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2014 Honda Fit Car Insurance

You can expect full coverage for a 2014 Honda Fit to run about $145 per month, while liability only coverage will average around $61 monthly.

If you're looking for the most affordable 2014 Honda Fit insurance policy, Liberty Mutual offered the cheapest policy we found, with rates sometimes as cheap as $21 a month.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2013 Honda Fit Car Insurance

The average cost to insure a 2013 Fit with liability only coverage is $62 monthly, while full coverage runs about $128 a month.

Safeco has prices as little as just $18 per month for the 2013 Honda Fit.

What will your insurance premium be? Just enter your ZIP code below to get a variety of free customized quotes.

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2012 Honda Fit Car Insurance

2012 Honda Fit drivers can expect to pay an average of $63 a month for liability or $131 for full coverage.

If you're looking for the lowest possible 2012 Honda Fit insurance policy, Mercury offered the lowest policy we found, with rates as cheap as just $17 per month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2011 Honda Fit Car Insurance

On average, drivers who own a 2011 Fit can expect to pay $59 to $129 monthly for liability only and full coverage car insurance, respectively.

We found ACG offered the cheapest policy, with rates sometimes as low as $17 a month.

While these are good estimates of what the average driver might pay to insure a 2011 Honda Fit, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2010 Honda Fit Car Insurance

You can expect full coverage for a 2010 Honda Fit to run around $133 monthly, while liability only coverage will average about $65 per month.

With rates as little as $20 a month, MetLife offered the most affordable policy we found.

Want to know exactly what your auto insurance premium will be? Get several free personalized quotes by just entering your ZIP code below.

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2009 Honda Fit Car Insurance

It costs around $66 monthly for liability or $140 for a full coverage policy for the 2009 Fit.

Liberty Mutual offered the lowest policy we found, with rates as low as $18 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2008 Honda Fit Car Insurance

The average cost to insure a 2008 Honda Fit with liability only coverage is $73 monthly, while full coverage runs about $141 a month.

With premiums as low as just $16 per month, Elephant offered the most affordable policy we found for the 2008 Honda Fit.

Want to know exactly how much you'll pay? Get lots of customized quotes for free by just entering your ZIP code below.

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Honda Fit Insurance FAQs

Is a Honda Fit expensive to insure?

Compared to the national average of all cars, prices come in on the lower end of the spectrum. Liability insurance runs an average of $67 monthly, while full coverage will cost you around $140.

How can I get the best price on car insurance for my Honda Fit?

There's only one way to make sure you're getting the cheapest rates -- regularly shopping around and comparing quotes from numerous carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from multiple companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Honda Fit affect my insurance premiums?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's simply not true. There are lots of things insurance carriers use when they calculate how much your policy will be, but the color of your Fit is not used to make that determination.

Do I need to have insurance before I buy a Honda Fit?

You'll need to have valid car insurance for your vehicle before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships may offer you an auto insurance policy, but it's best to let your insurance company know ahead of time.

What car insurance discounts can I get for my Honda Fit?

There are a range of different discounts out there for auto insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the Honda Fit you drive, but if your Fit has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to be certain is to get in touch with your insurance carrier and ask about which discounts they offer.