Honda Fit insurance costs vary by model year, with 2020 models averaging $211 monthly compared to $56 for older versions. Newer Honda Fits cost more to insure because they've got higher market values.
Honda Fit Insurance Cost
Updated: January 21, 2026
Key Takeaways
GEICO offers the most affordable Honda Fit insurance rates on average, though full coverage costs around $156 monthly and varies by model year and insurer choice. Read more
The Honda Fit ranks 14th out of 52 hatchbacks for insurance affordability, placing it in the middle tier for its vehicle type. Hatchbacks cost less to insure due to lower repair costs and better fuel efficiency. Read more
Model year makes a difference in your Honda Fit's insurance rate, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Fit model years, depending on the age of the drivers
How Much Is Honda Fit Insurance?
Looking for another Honda model? Read more about Honda insurance costs.
Costs vary by model year and company. Honda Fit minimum coverage ranges from $54 monthly with GEICO to $141 with UAIC, while full coverage spans $117 with GEICO to AIG.
Rate variations (more than $87 for minimum coverage and $161 for full coverage) demonstrate why Fit owners need to shop around. Companies calculate risk differently for each model, affecting your final quote.
| AAA | $91 | $188 |
| AIG | $114 | $278 |
| Allstate | $101 | $195 |
| Amica | $100 | $204 |
| Chubb | $102 | $200 |
| Farmers | $118 | $207 |
| Geico | $54 | $117 |
| Kemper | $81 | $163 |
| Nationwide | $104 | $180 |
| Progressive | $76 | $142 |
| State Farm | $77 | $159 |
| The Hartford | $90 | $154 |
| Travelers | $70 | $129 |
| UAIC | $141 | $175 |
Is Honda Fit Expensive to Insure?
MoneyGeek's analysis of 52 hatchbacks reveals the Honda Fit's insurance affordability, ranking 14th overall with 13 cheaper options available. It costs a few dollars more per month than a Hyundai Elantra but runs slightly less than a Suzuki SX4, positioning it solidly in the middle tier among similar vehicles.
While middle-of-the-pack among hatchbacks, the Fit's 201st ranking out of 827 total cars puts it in the top half for affordability. The cheapest hatchback to insure is the Saab 9-3, while the Cadillac Celestiq commands the highest premiums.
| Dodge Caliber | $113 | 11 |
| Hyundai Accent | $117 | 12 |
| Hyundai Elantra | $118 | 13 |
| Honda Fit | $118 | 14 |
| Suzuki SX4 | $119 | 15 |
| Toyota Yaris | $119 | 16 |
| Fiat 500e | $120 | 17 |
Several factors affect what you'll pay for Honda Fit insurance:
- Average Repair or Replacement Costs: Honda's most affordable model to maintain, the Fit ranks first out of 18 Honda vehicles with repair costs averaging just $481 annually, keeping insurance premiums lower.
- Vehicle Trim, Features and Accessories: The Fit's horsepower range of 130-152 hp across different trims directly impacts your premiums. Higher-performance variants with increased horsepower capabilities cost more to insure due to elevated risk profiles.
- Driver Profile: Most Honda Fit owners fall into the 25 and 34 age group with a median age around 30. Younger drivers face higher rates, and the Fit's performance appeal attracts driving behaviors that concern insurers. Read more about the costs of Honda Fits for young drivers.
Honda Fit Insurance Cost by State
Car insurance for a Honda Fit costs anywhere from $27 per month in Wyoming to $161 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle itself.
| Alabama | $67 | $125 |
| Alaska | $56 | $119 |
| Arizona | $98 | $182 |
| Arkansas | $63 | $141 |
| California | $76 | $154 |
| Colorado | $75 | $180 |
| Connecticut | $115 | $197 |
| Delaware | $116 | $195 |
| Florida | $106 | $243 |
| Georgia | $120 | $197 |
| Hawaii | $44 | $97 |
| Idaho | $45 | $91 |
| Illinois | $73 | $136 |
| Indiana | $51 | $100 |
| Iowa | $42 | $101 |
| Kansas | $57 | $133 |
| Kentucky | $100 | $170 |
| Louisiana | $161 | $345 |
| Maine | $40 | $82 |
| Maryland | $123 | $206 |
| Massachusetts | $80 | $168 |
| Michigan | $122 | $234 |
| Minnesota | $65 | $134 |
| Mississippi | $67 | $133 |
| Missouri | $91 | $181 |
| Montana | $54 | $128 |
| Nebraska | $56 | $129 |
| Nevada | $148 | $266 |
| New Hampshire | $56 | $98 |
| New Jersey | $133 | $220 |
| New Mexico | $65 | $145 |
| New York | $98 | $176 |
| North Carolina | $65 | $127 |
| North Dakota | $44 | $97 |
| Ohio | $60 | $116 |
| Oklahoma | $71 | $157 |
| Oregon | $103 | $179 |
| Pennsylvania | $66 | $155 |
| Rhode Island | $100 | $179 |
| South Carolina | $86 | $160 |
| South Dakota | $41 | $123 |
| Tennessee | $63 | $126 |
| Texas | $101 | $209 |
| Utah | $88 | $150 |
| Vermont | $35 | $82 |
| Virginia | $75 | $122 |
| Washington | $75 | $140 |
| West Virginia | $66 | $135 |
| Wisconsin | $51 | $112 |
| Wyoming | $27 | $84 |
Honda Fit Costs by Model Year and Insurance Company
Full coverage car insurance for a 35- to 55-year-old driver with a 2020 Honda Fit costs an average of $203 per month compared to $234 for a 2010 model. Your Honda Fit insurance costs may change greatly depending on your model year and the age of drivers on your policy. Young drivers in their teens and early twenties will pay much more to insure across all model years.
GEICO offers the cheapest rates across all Honda Fit model years and could save certain drivers hundreds of dollars per month.Â
Cost of Car Insurance for 2020 Honda Fit
| Geico | $59 | $127 |
| National General | $72 | $148 |
| Travelers | $80 | $147 |
| Progressive | $82 | $152 |
| State Farm | $94 | $196 |
| Kemper | $99 | $200 |
| AAA | $107 | $221 |
| The Hartford | $108 | $185 |
| Allstate | $109 | $210 |
| Amica | $113 | $231 |
| Chubb | $117 | $231 |
| Nationwide | $130 | $224 |
| AIG | $133 | $327 |
| Farmers | $142 | $250 |
| UAIC | $159 | $199 |
Cost of Car Insurance for 2019 Honda Fit
| Geico | $53 | $115 |
| National General | $65 | $134 |
| Travelers | $73 | $133 |
| Progressive | $74 | $138 |
| State Farm | $85 | $177 |
| Kemper | $90 | $181 |
| AAA | $97 | $200 |
| The Hartford | $98 | $167 |
| Allstate | $99 | $191 |
| Amica | $102 | $209 |
| Chubb | $106 | $209 |
| Nationwide | $118 | $203 |
| AIG | $120 | $296 |
| Farmers | $128 | $227 |
| UAIC | $144 | $180 |
Cost of Car Insurance for 2018 Honda Fit
| Geico | $48 | $105 |
| National General | $59 | $122 |
| Travelers | $66 | $121 |
| Progressive | $68 | $126 |
| State Farm | $78 | $161 |
| Kemper | $82 | $165 |
| AAA | $88 | $182 |
| The Hartford | $89 | $152 |
| Allstate | $90 | $173 |
| Amica | $93 | $191 |
| Chubb | $96 | $190 |
| Nationwide | $107 | $185 |
| AIG | $109 | $269 |
| Farmers | $117 | $206 |
| UAIC | $131 | $164 |
Cost of Car Insurance for 2017 Honda Fit
| Geico | $45 | $98 |
| National General | $55 | $114 |
| Travelers | $62 | $113 |
| Progressive | $63 | $117 |
| State Farm | $73 | $151 |
| Kemper | $76 | $154 |
| AAA | $82 | $170 |
| The Hartford | $83 | $142 |
| Allstate | $84 | $162 |
| Amica | $87 | $178 |
| Chubb | $90 | $178 |
| Nationwide | $100 | $173 |
| AIG | $102 | $251 |
| Farmers | $109 | $193 |
| UAIC | $123 | $153 |
Cost of Car Insurance for 2016 Honda Fit
| Geico | $35 | $76 |
| National General | $43 | $89 |
| Travelers | $48 | $88 |
| Progressive | $49 | $91 |
| State Farm | $57 | $117 |
| Kemper | $59 | $120 |
| AAA | $64 | $133 |
| The Hartford | $65 | $111 |
| Allstate | $65 | $126 |
| Amica | $68 | $139 |
| Chubb | $70 | $138 |
| Nationwide | $78 | $135 |
| AIG | $79 | $196 |
| Farmers | $85 | $150 |
| UAIC | $95 | $119 |
Honda Fit Insurance Cost by Trim
Performance features and market value make Honda Fit insurance costs vary dramatically by trim level. Monthly premiums range from $67 for minimum coverage on basic LX Hatchback 4D models to $206 for full coverage on high-performance Sport VSA Hatchback 4D variants.
| Lx Hatchback 4d | $67 | $129 |
| Ex Hatchback 4d | $72 | $140 |
| Lx W/Honda Sensing Hatchback 4d | $80 | $154 |
| Hatchback 4d | $81 | $156 |
| Sport Hatchback 4d | $84 | $161 |
| Ex-L W/Navigation Hatchback 4d | $84 | $161 |
| Ex-L Hatchback 4d | $86 | $166 |
| Sport W/Honda Sensing Hatchback 4d | $89 | $172 |
| Sport Vsa Hatchback 4d | $107 | $206 |
How to Lower the Cost of Honda Fit Insurance
These proven strategies help you find better rates on your Honda Fit insurance:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Honda Fit based on your ownership situation. Own your car? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for compact cars like your Honda Fit. This benchmark assists with shopping for the cheapest car insurance companies offering competitive rates. Understanding typical pricing helps you spot good deals when comparing quotes from different insurers in your area.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their price quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers might offer limited coverage options or slower customer service when you need help most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your specific situation as a Honda Fit owner. You qualify for safety features discounts, good driver discounts, multi-vehicle savings and bundling discounts when combining auto and home policies. These reductions can lower your annual premium costs without sacrificing coverage quality.
- 5Consider alternative car insurance types
Honda Fit owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These telematics options track your safe driving habits and deliver premium reductions based on actual driving behavior. Low-mileage drivers often see substantial savings through these personalized pricing programs.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure you're getting the best deal. Your current insurer doesn't notify you when competitors lower their prices, so regular comparisons could save up to 24% on your Honda Fit insurance. Set a calendar reminder to shop around each renewal period.
Honda Fit Insurance Cost: Bottom Line
Honda Fit insurance runs below average costs, giving you a solid starting point for affordable coverage. You'll secure better rates by comparing quotes from multiple insurers and maximizing available discounts for your situation.
Honda Fit Insurance Rates: FAQ
What is the average cost of car insurance for a Honda Fit?
Honda Fit insurance costs average $970 annually for state minimum coverage and $1,870 for full coverage. These rates make it one of the more affordable vehicles to insure.
What company has the cheapest car insurance for a Honda Fit?
Geico provides the most affordable minimum coverage for a Honda Fit at $650 annually. For full coverage, Geico remains the best value option at $1,401 per year.
Are Honda Fits expensive to insure?
No, Honda Fit insurance is not expensive compared to most vehicles. Among hatchbacks specifically, this model ranks 14th out of 52 for affordability, while it places 201st out of 827 total vehicles we track.
What factors affect insurance costs for Honda Fits?
Multiple factors affect Honda Fit insurance rates. The vehicle benefits from affordable repair parts and strong safety ratings, which help lower premiums. Moderate theft rates compared to other compact cars also work in your favor. However, your personal driving record, credit score, and chosen coverage levels ultimately determine your final cost.
How can I lower Honda Fit insurance costs?
Compare quotes from multiple insurers since Honda Fit pricing differs between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle policies with the same provider and keep your driving record clean to secure better rates.
How We Determined Honda Fit Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models to provide the most accurate Honda Fit insurance costs.
Who We Based These Rates On
These Honda Fit rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.