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
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.
GEICO charges $54 a month for Honda Fit minimum coverage; UAIC charges $141. Full coverage starts at $117 with GEICO, with AIG at the higher end.
There's an $87 gap on minimum coverage and a $161 gap on full coverage, so get at least three quotes to find your lowest rate.
| 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?
The Honda Fit ranks 14th for affordability among 52 hatchbacks in MoneyGeek's database — 13 hatchback models cost less to insure. It costs a few dollars more a month than a Hyundai Elantra and a few dollars less than a Suzuki SX4.
Across all 827 models in the database, the Fit ranks 201st, putting it in the top half for overall affordability. The Saab 9-3 is the cheapest hatchback to insure, and the Cadillac Celestiq is the most expensive.
| 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 costs. At $481 a year, the Honda Fit is the least expensive Honda model to maintain among the brand's 18 vehicles. Lower repair costs translate directly to lower claim payouts, which keeps premiums down.
- Trim, features and accessories. The Fit's power output ranges from 130 to 152 horsepower depending on trim. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. Fit owners tend to fall between ages 25 and 34, with a median around 30, which is a younger bracket that pays more across all vehicles. 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
Coverage needs depend on how you own the Fit:
- Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline.
- Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Know the average auto insurance costs for compact cars to give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. Our data on the cheapest car insurance companies shows which carriers price low for Fit drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records.
Forum discussions on claims processing surface problems that don't appear in formal ratings. Our guide to the best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Honda Fit owners commonly qualify for safety feature discounts, good driver credits, multi-vehicle savings and bundling discounts when combining auto and home policies. The full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor speed, braking and mileage, then price the policy on actual driving behavior. Fit drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Get quotes every year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
Honda Fit Insurance Cost: Bottom Line
The Honda Fit costs less to insure than most compact cars. Compare quotes from at least three insurers and stacke available discounts to cut that further.
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?
Driving record, credit score and coverage level are the primary variables in any Fit premium. The Fit's $481 average annual repair cost (lowest among Honda's 18 models) and moderate theft rates hold premiums below most comparable compact cars. Strong safety ratings add to that.
How can I lower Honda Fit insurance costs?
Start with quotes from at least three insurers. Stack every discount you qualify for: good driver, multi-vehicle and bundling home or renters insurance are the highest-value options. Usage-based programs like Progressive Snapshot cut costs further for lower-mileage drivers with clean habits.
How We Determined Honda Fit Insurance Costs
Honda Fit cost estimates are drawn from hundreds of millions of quote estimates for U.S. models. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!