Compare the Cost of Honda Fit Insurance by Model Year and Company


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The cost of insuring a Honda Fit varies by the driver's age and the car's model year. 16-year-old drivers pay an average of $6,140 annually to insure a 2020 Honda Fit, while 40-year-old drivers pay $1,362 for the same model. Older Honda Fit models are also comparatively less expensive to insure, with the 2009 model costing an average of $252 less per year than the 2020 model.

MoneyGeek ranked the best insurers who balance affordability with service and claims experience for your Honda Fit.

MoneyGeek Logo IconCar Insurance CostsHonda Fit
2024

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze average rates for a Honda Fit.

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These rates were updated to reflect the average cost of car insurance for a Honda Fit as of 2023.

10Companies Compared
 
35,856 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Honda Fit

If you drive a Honda Fit, insurance costs an average of $1,251 per year — but rates can go up or down depending on who your insurer is.

State Farm offers the cheapest auto insurance for drivers with a Honda Fit, for either full coverage ($978 per year) or minimum coverage ($476 per year) policies.

Farmers is the most expensive provider for Honda Fit drivers. With Farmers, full coverage policies cost an average of $1,518 per year, and minimum coverage policies cost an average of $725 per year.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
State Farm$978
GEICO$1,003
Travelers$1,163
Allstate$1,231
Nationwide$1,262
Progressive$1,330
Farmers$1,518

Is a Honda Fit Expensive to Insure?

Various factors determine car insurance costs, such as age, driving history and your car’s make and model year. A Honda Fit is relatively cheap to insure due to its low horsepower. Low-horsepower vehicles are generally less likely to get into accidents, making them less expensive to insure.

Best Companies for Insuring a Honda Fit

When purchasing insurance for a Honda Fit, it's crucial to remember that price is just one of many factors to consider. Selecting an insurer that provides excellent service and claims experience can be just as important as cost. The best auto insurance provider can offer a balance of these criteria.

The following providers offer the best Honda Fit insurance:

  • State Farm: MoneyGeek score 76 out of 100 ($978 per year)
  • GEICO: MoneyGeek score 74 out of 100 ($1,003 per year)

As the most affordable insurer with a high score in customer satisfaction, State Farm secures first place in our rankings.

MoneyGeek Top Pick: State Farm

State Farm

pros

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Offers the most affordable auto insurance for Honda Fit drivers

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Ranks above average in customer satisfaction

cons

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Does not offer accident forgiveness, new car replacement or gap insurance

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Low customer claims satisfaction based on J.D. Power’s ratings

COMPANY HIGHLIGHTS

Apart from being an affordable provider with above-average customer satisfaction ratings, State Farm offers essential coverages for Honda Fit drivers. From rental car services and reimbursement to roadside assistance, Honda Fit drivers have many coverage options that can provide additional financial security.

For instance, rental car services and reimbursement coverage can help you cover the cost of a rental car in case your Honda Fit is unavailable due to being repaired. Roadside assistance coverage can also help with minor inconveniences that happen on the road. With this coverage, you can get towing services to the nearest repair shop, have oil, gas or a battery delivered or request locksmith services if you're locked out.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

pros

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Offers affordable coverage for Honda Fit drivers

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Has an above-average customer satisfaction rating

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Offers unique coverages such as mechanical breakdown insurance

cons

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Does not offer gap insurance

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Low claims satisfaction ratings from J.D. Power

COMPANY HIGHLIGHTS

For Honda Fit drivers, GEICO ranks as the runner-up insurer by providing a good balance of affordability and customer satisfaction. GEICO also offers Honda Fit drivers with a variety of extra coverages, ranging from common coverages such as roadside assistance to unique ones such as mechanical breakdown insurance.

Mechanical breakdown insurance is a rare and beneficial coverage for new Honda Fit owners. Compared to a typical dealer-extended warranty, it provides more comprehensive coverage at a lower cost by including all of the car’s parts and systems. GEICO also offers accident forgiveness, which is great for drivers with a spotless driving record as it can prevent your rates from increasing if you end up in your first at-fault accident.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring a Honda Fit by Model Year

Insuring a 2009 Honda Fit costs an average of $252 less per year than insuring a new 2020 model. Generally, the average cost of car insurance for a Honda Fit changes depending on the model year of your car. More recent models typically have higher premiums, as they have better parts that are more expensive to repair or replace and a higher overall value.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
2020$1,362
2019$1,340
2018$1,313
2017$1,258
2016$1,254
2015$1,227
2014$1,170
2013$1,164
2012$1,134
2011$1,100
2010$1,117
2009$1,110

In addition to model year, the average cost of car insurance can vary by insurer. For a 2009 Honda Fit, for instance, State Farm is the cheapest insurer (at $860 per year). On the other hand, for a 2020 Honda Fit, GEICO is the cheapest insurer (at $1,082 per year).

Data filtered by:Results filtered by:
Model Year:
Model Year:2020
Age:
Age:40
Coverage:
Coverage:Full Coverage
GEICO$1,082
State Farm$1,141
Travelers$1,340
Allstate$1,371
Nationwide$1,408
Progressive$1,455
Farmers$1,710

Cost of Insuring a Honda Fit for 16- to 25-Year-Olds

Car insurance is considerably more expensive for teen drivers and those in their 20s than adults aged 30 and above. A 16-year-old driver with a Honda Fit would pay an average of $5,533 per year for full coverage. A 40-year-old, on the other hand, would pay an average of $1,212 per year for the same policy.

With each passing year, teen car insurance costs drop significantly, stabilizing as teens enter adulthood and gain more experience driving.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
16$5,533
17$4,497
18$3,946
19$2,721
20$2,464
21$1,894
22$1,753
23$1,631
24$1,550
25$1,400

When getting car insurance for teens, including them on a family plan is typically the most cost-effective option, as individual policies can be prohibitively expensive. State Farm ranks as the cheapest insurer for a 16-year-old with a Honda Fit (2020 model), with average premiums starting at $3,664 per year for an individual plan. Farmers is the most expensive, at an average annual rate of $8,628.

It’s important for families and teens to shop around and compare rates to find the most affordable car insurance that meets your needs.

Data filtered by:Results filtered by:
Age:
Age:16
Model Year:
Model Year:2020
Coverage:
Coverage:Full Coverage
State Farm$3,664
GEICO$4,984
Travelers$5,298
Nationwide$5,642
Allstate$6,488
Progressive$7,712
Farmers$8,626

How Does Location Affect the Cost of Honda Fit Insurance?

While driver age and model year are important factors in determining the cost of insuring your Honda Fit, the cheapest policy available will likely depend on where you live. Idaho is the cheapest state for car insurance, while the most expensive is New York. Shopping around to find the most affordable insurers in your state is essential.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AlabamaNationwide$709$59
AlaskaState Farm$699$58
ArizonaRoot Insurance Company$682$57
ArkansasState Farm$629$52
CaliforniaAAA California$1,001$83
ColoradoAmerican National P&C$541$45
ConnecticutGEICO$693$58
DelawareState Farm$881$73
District of ColumbiaGEICO$662$55
FloridaState Farm$1,058$88
GeorgiaCountry Financial$665$55
HawaiiGEICO$565$47
IdahoAmerican National P&C$299$25
IllinoisCountry Financial$663$55
IndianaAmerican Family$555$46
IowaState Farm$509$42
KansasNationwide$670$56
KentuckyNationwide$790$66
LouisianaLouisiana Farm Bureau$1,048$87
MaineConcord Group$521$43
MarylandProgressive$938$78
MassachusettsState Farm$483$40
MichiganGEICO$898$75
MinnesotaState Farm$797$66
MississippiDirect General Insurance$723$60
MissouriNationwide$909$76
MontanaProgressive$437$36
NebraskaAmerican National P&C$405$34
NevadaCSAA$940$78
New HampshireState Farm$540$45
New JerseyPlymouth Rock Assurance$895$75
New MexicoState Farm$644$54
New YorkKemper$781$65
North CarolinaErie$630$52
North DakotaAmerican Family$616$51
OhioNationwide$485$40
OklahomaState Farm$662$55
OregonState Farm$706$59
PennsylvaniaNationwide$580$48
Rhode IslandState Farm$700$58
South CarolinaAmerican National P&C$463$39
South DakotaAllstate$746$62
TennesseeState Farm$579$48
TexasState Farm$699$58
UtahNationwide$725$60
VermontState Farm$493$41
VirginiaAmerican Family$601$50
WashingtonPEMCO$534$44
West VirginiaErie$784$65
WisconsinGEICO$556$46
WyomingState Farm$745$62

Frequently Asked Questions About Honda Fit Insurance

Insuring your Honda Fit is essential to protect yourself financially while ensuring compliance with your state’s insurance laws. Learn more about insuring your Honda Fit with our commonly asked questions.

What company has the cheapest car insurance for a Honda Fit?

What company offers the best car insurance for a Honda Fit?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.