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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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The average monthly insurance premium for a Honda Fit is $113, which is 32% lower than the national average of $166 across all vehicles.
USAA offers the lowest rates for Fit drivers, averaging $56 per month.
The Fit’s budget-friendly price, high safety marks, and low theft risk keep insurance costs low.
When shopping for car insurance, your cost depends on the protection you buy. Liability coverage pays for damage you cause to others, but it doesn’t protect your car. Full coverage adds collision coverage and comprehensive insurance. While collision pays to fix your vehicle after a crash, comprehensive covers theft, hail, vandalism, and other non-collision events.
Here’s the insurance pricing breakdown for Honda Fit owners compared to the average for all vehicles, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Honda Fit | $79 | $147 | $113 |
| All vehicles | $116 | $216 | $166 |
Liability insurance is the cheapest coverage type, averaging $79 per month for Fit drivers, while full coverage costs an average of $147 per month. Both options fall below the national average cost of car insurance for all vehicles.
Your address, age, driving history, and the company you choose can move your car insurance quote up or down.
Each insurance company has its own formula for calculating premiums. One insurer might put more weight on your location, while another might focus on your accident history. That’s why rates can vary significantly from company to company.
Below are the top insurers and each company’s average monthly premium for Honda Fit car insurance, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $56 |
| State Farm | $67 |
| Allstate | $75 |
| GEICO | $83 |
| American Family | $86 |
| Progressive | $100 |
| Nationwide | $104 |
| Travelers | $109 |
| Farmers | $131 |
| Liberty Mutual | $165 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers low premiums for Honda Fit drivers and is known for top customer satisfaction. You need military ties to join — either through your own service or a qualifying family member. But if you qualify, USAA offers military-specific coverage, rental reimbursement, and bundling discounts.
Top rated for customer satisfaction[1]
Unique military perks
Few physical locations
Military eligibility required
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has a wide network of agents, giving you real people to talk to instead of dealing with automated menus. Its Drive Safe & Save program rewards safe drivers with rates up to 30% lower. State Farm also has bundling discounts for combining auto coverage with home, condo, renters, or life insurance.
More than 19,000 agents
Build-your-own bundle discounts
Doesn’t offer accident forgiveness
Gap insurance not available
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate’s accident forgiveness protects you from a rate hike after an at-fault crash. Other ways to save include car insurance discounts for paying on time and for teens who earn good grades. If you take fewer trips or drive shorter distances, Allstate’s Milewise program can save you even more.
Accident forgiveness available
Highly rated usage-based insurance program
Few available add-ons
Below-average claims service satisfaction rating[2]
Compare quotes for your Honda Fit, starting at $56 per month.
Where you live can affect your premium as much as the car you drive. Each state has its own regulations, weather risks, and uninsured driver rates that can raise or lower insurance costs.
The table below shows average monthly Honda Fit insurance premiums by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $103 |
| Alaska | $101 |
| Arizona | $125 |
| Arkansas | $128 |
| California | $160 |
| Colorado | $156 |
| Connecticut | $205 |
| Delaware | $187 |
| Florida | $163 |
| Georgia | $197 |
| Hawaii | $103 |
| Idaho | $81 |
| Illinois | $118 |
| Indiana | $102 |
| Iowa | $81 |
| Kansas | $115 |
| Kentucky | $147 |
| Louisiana | $155 |
| Maine | $115 |
| Maryland | $224 |
| Massachusetts | $114 |
| Michigan | $167 |
| Minnesota | $130 |
| Mississippi | $108 |
| Missouri | $137 |
| Montana | $112 |
| Nebraska | $110 |
| Nevada | $190 |
| New Hampshire | $67 |
| New Jersey | $198 |
| New Mexico | $109 |
| New York | $146 |
| North Carolina | $70 |
| North Dakota | $92 |
| Ohio | $94 |
| Oklahoma | $134 |
| Oregon | $111 |
| Pennsylvania | $123 |
| Rhode Island | $172 |
| South Carolina | $184 |
| South Dakota | $108 |
| Tennessee | $105 |
| Texas | $169 |
| Utah | $114 |
| Vermont | $115 |
| Virginia | $141 |
| Washington | $130 |
| Washington D.C. | $244 |
| West Virginia | $117 |
| Wisconsin | $90 |
| Wyoming | $80 |
New drivers are more likely to be in a car accident, which is why age is a top factor in calculating car insurance costs.[3]
The average monthly cost of car insurance across age groups shows a price drop after drivers reach their 20s. The table below shows average monthly premiums for Honda Fit drivers by age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $218 |
| Adults | $107 |
| Seniors | $96 |
Teens have the highest car insurance premiums. Their inexperience puts them at a higher risk of fatal crashes, according to the National Highway Traffic Safety Administration (NHTSA).[4] But insurers don’t charge young drivers the same rate across the board. Some companies place less emphasis on age when calculating car insurance quotes.
The following five companies have the lowest average premiums for teen Fit drivers, according to Compare.com data.
Drivers in their 60s often see the lowest insurance rates. Senior drivers tend to reduce their mileage and limit driving after dark, which lowers their accident risk, according to the Insurance Institute for Highway Safety (IIHS).[5]
Some companies offer senior-specific discounts. And even though seniors already have low rates, comparing quotes from several companies can help you find a better deal.
The table below shows the companies with the lowest average monthly rates for senior Honda Fit owners, according to Compare.com data.
Your driving record affects the car insurance quotes you get. Some traffic violations stay on your record for five years or more. A history of tickets and accidents tells insurers you’re more likely to file future claims.
The table below outlines your average monthly Honda Fit insurance costs by driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean driving record | $113 |
| Speeding ticket | $151 |
| At-fault accident | $161 |
| DUI | $182 |
One speeding ticket can increase your rates by 34%, while a driving under the influence (DUI) conviction can add 61% to your car insurance bill.
Speeding tickets flag you as a high-risk driver. The effect depends on the situation. A ticket for driving 10 mph over the speed limit won’t spike your rate as much as one for going 30 mph over. Driving at higher speeds leaves you with less time to react, increasing the odds of a crash, according to the IIHS.[6]
A ticket on your record makes comparing rates even more important. The following insurers offer the lowest average monthly rates for Fit drivers with a speeding ticket, according to Compare.com data.
An at-fault accident can increase your premiums. Insurers consider your long-term risk, and a past accident is a strong indicator of future risk, according to the National Association of Insurance Commissioners (NAIC).[7]
But not all companies weigh accidents equally. Plus, if you have an auto insurance policy with accident forgiveness, you can minimize the financial hit.
The chart below shows the insurers with the lowest average monthly Honda Fit rates following an at-fault accident, according to Compare.com data.
A DUI conviction leads to the most significant rate hike. Driving under the influence also greatly increases your crash risk, according to the NHTSA.[8] After a DUI, your state may require an SR-22 or FR-44 filing, which is proof that you have minimum insurance coverage. Some companies specialize in high-risk policies, so comparing quotes can help you find lower rates.
Here’s a look at average premiums from top companies for Honda Fit drivers with a DUI on their record, according to our data.
Several Honda Fit characteristics explain why car insurance for this model tends to cost less:
Honda stopped making the Fit in 2020, and the EX model’s resale value is just less than $14,000 as of 2025.[9]
The Fit isn’t made for thrills. It’s a subcompact hatchback car built for practicality.
Equipped with Honda Sensing, newer Fit models feature lane-keeping assist and emergency braking to lower crash risk.
Unlike the Honda Accord, the Honda Fit isn’t among the most frequently stolen vehicles in the United States, according to the National Insurance Crime Bureau (NICB).[10]
Find the coverage you need for your Honda Fit at the best price.
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It’s possible to lower your already affordable Honda Fit premiums with a few strategic moves:
Upgrade your trim level. The Fit EX and EX-L come standard with Honda Sensing, which can qualify you for safety features discounts.
Report actual miles driven. Great fuel economy makes the Fit tempting for long commutes, but working remotely or driving fewer annual miles can unlock low-mileage discounts.
Raise your deductible. If you have enough savings, consider a higher deductible to lower your Fit premiums.
Get quotes from multiple companies. A few minutes spent on an insurance comparison site can result in a couple of hundred dollars in savings on Honda Fit coverage.
Below are answers to common questions about insuring your Honda Fit.
No. The Honda Fit is among the most affordable vehicles to insure. Average premiums are $113 per month, which is 32% lower than the national average of $166 across all cars, according to our data.
USAA offers the cheapest average rates for Honda Fit owners, at $56 per month, but it requires military service credentials (or a family connection) to qualify for coverage. For all other Fit drivers, State Farm is the next most affordable option, at $67 per month.
The average cost of car insurance for a 2020 Honda Fit is $113 per month, according to Compare.com data. That breaks down to $79 per month for liability coverage and $147 for full coverage. But your exact premium depends on several factors, like your age, location, and driving record.
The Honda Fit is the cheapest Honda model to insure, with an average monthly cost of $113, according to Compare.com data.
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Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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