Honda Fit Car Insurance Cost 2025
The average cost of insuring a Honda Fit is $1,300 per year. However, this figure can fluctuate depending on various factors, including your age, the model year of your car, and other personal considerations. To get a more precise estimate tailored to your circumstances, refer to the quote tables below.
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The Honda Fit is one of the more economical vehicles to insure, making it a popular choice for budget-conscious drivers. On average, full coverage insurance for a 2025 Honda Fit typically costs between $1,000 and $1,300 per year, or roughly $85 to $110 per month.
These rates are often lower than those for similar subcompact cars, thanks to the Fit’s strong safety ratings, affordable repair costs, and overall reliability.
Drivers with clean records and good credit can secure even better deals. While rates vary by location and insurer, the Honda Fit stands out as an insurance-friendly vehicle overall.
How Much Does Honda Fit Car Insurance Cost?
Typically, Honda Fit drivers can expect to pay around $1,300 per year for car insurance. However, the actual cost may vary depending on factors like your age, driving history, and location.
It’s important to understand that car insurance rates can vary significantly depending on several factors, including where you live, your driving history, the age of your vehicle, and the type of coverage you choose. Keeping a clean driving record is one of the best ways to keep premiums low, while a history of accidents or violations can result in higher costs. Additionally, where you live can also influence rates—urban areas with more traffic tend to have higher insurance costs than rural areas.
When choosing coverage, the type you select also plays a role. Comprehensive insurance, which covers both comprehensive and collision, typically costs more than basic liability insurance.
In comparison to other Honda models, the cost of insurance for a Honda Fit is generally lower. However, it is also less expensive than the average cost of insurance for all cars. You can compare quotes from various providers using Insuranceopedia to find the best deal suited to your needs.
| Vehicle | Average Monthly Premium |
| Honda Fit | $141 |
| All Honda | $167 |
| All Cars | $175 |
Average Insurance Cost Of Honda Fit By Model Year
| Model Year | Average Premium |
| 2025 Honda Fit | $1,135 |
| 2021 Honda Fit | $2,895 |
| 2020 Honda Fit | $793 |
| 2019 Honda Fit | $649 |
| 2018 Honda Fit | $774 |
| 2017 Honda Fit | $803 |
| 2016 Honda Fit | $640 |
| 2015 Honda Fit | $594 |
| 2014 Honda Fit | $1,164 |
| 2013 Honda Fit | $653 |
| 2012 Honda Fit | $651 |
| 2011 Honda Fit | $684 |
| 2010 Honda Fit | $577 |
2025 Honda Fit Insurance Rates
The average annual insurance cost for a 2025 Honda Fit Car is $1,135. However, USAA offers the cheapest rates, averaging $1,010 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $1,045 |
| USAA | $1,010 |
| State Farm | $1,035 |
| Erie Insurance | $1,090 |
| Auto-Owners | $1,125 |
| Nationwide | $1,160 |
| Travelers | $1,180 |
| Progressive | $1,205 |
| Allstate |
$1,230 |
| Farmers | $1,265 |
2021 Honda Fit Insurance Rates
The average annual insurance cost for a 2021 Honda Fit Car is $2,895. However, Travelers offers the cheapest rates, averaging $1,467 per year.
| Insurance Provider | Average Annual Cost |
| Travelers | $1,467 |
| Mercury | $2,106 |
| Metropolitan | $2,505 |
| Electric | $4,064 |
| Direct General Insurance | $4,334 |
2020 Honda Fit Insurance Rates
The average annual insurance cost for a 2020 Honda Fit Car is $793. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $628 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $918 |
| Hastings Mutual Insurance Co | $628 |
| Kemper Auto | Infinity | $825 |
| West Bend Mutual | $921 |
| Atlantic States Insurance | $900 |
| Buckeye Insurance Group | $712 |
| Pekin Insurance | $682 |
| Safeco | $829 |
| United Farm Bureau of IN Group | $780 |
| Texas Farm Bureau Group | $732 |
2019 Honda Fit Insurance Rates
The average annual insurance cost for a 2019 Honda Fit Car is $793. However, Mercury Insurance offers the cheapest rates, averaging $235 per year.
| Insurance Provider | Average Annual Cost |
| NatGen PPA | $789 |
| Dairyland FR Bond | $776 |
| Mercury Insurance | $235 |
| NatGen Value | $817 |
| American National P | $732 |
| Buckeye Insurance Group | $433 |
| North Carolina Farm Bureau | $710 |
| Safeco | $283 |
| Ohio Mutual Ins Group | $869 |
| PEMCO | $845 |
2018 Honda Fit Insurance Rates
The average annual insurance cost for a 2018 Honda Fit Car is $774. However, Mercury Insurance offers the cheapest rates, averaging $436 per year.
| Insurance Provider | Average Annual Cost |
| Rockford Mutual Insurance | $865 |
| Rural Mutual Insurance | $1,010 |
| SECURA Insurance | $856 |
| Mercury Insurance | $436 |
| PEMCO | $967 |
| Safeco | $570 |
| NatGen Value | $534 |
| Plymouth Rock | $600 |
| ACCC Insurance Company | $951 |
| North Carolina Farm Bureau | $951 |
2017 Honda Fit Insurance Rates
The average annual insurance cost for a 2017 Honda Fit Car is $803. However, Safeco offers the cheapest rates, averaging $294 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $578 |
| PEMCO | $796 |
| Cincinnati Insurance | $1,022 |
| Safeco | $294 |
| Clearcover | $767 |
| Infinity Special | $1,157 |
| NatGen Advantage | $985 |
| Mercury Insurance | $649 |
| North Carolina Farm Bureau | $709 |
| Capital Insurance Group | $1,076 |
Find Affordable Honda Fit Insurance Rates
2016 Honda Fit Insurance Rates
The average annual insurance cost for a 2016 Honda Fit Car is $640. However, American National P offers the cheapest rates, averaging $430 per year.
| Insurance Provider | Average Annual Cost |
| MMG Insurance Company | $665 |
| Mercury Insurance | $834 |
| Commerce Group Inc | $689 |
| American National P | $430 |
| Pekin Insurance | $669 |
| Buckeye Insurance Group | $577 |
| Kemper Auto | Infinity | $606 |
| NatGen PPA | $693 |
| Safeco | $436 |
| Safety Group | $802 |
2015 Honda Fit Insurance Rates
The average annual insurance cost for a 2015 Honda Fit Car is $594. However, Safeco offers the cheapest rates, averaging $309 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $959 |
| NatGen PPA | $911 |
| North Carolina Farm Bureau | $508 |
| Mercury Insurance Company | $502 |
| Mercury Insurance | $420 |
| Safeco | $309 |
| American National P | $344 |
| Infinity Special | $407 |
| Mississippi Farm Bureau | $857 |
| Wolverine Mutual | $722 |
2014 Honda Fit Insurance Rates
The average annual insurance cost for a 2014 Honda Fit Car is $1,164. However, North Carolina Farm Bureau offers the cheapest rates, averaging $821 per year.
| Insurance Provider | Average Annual Cost |
| Penn National | $1,169 |
| NatGen PPA | $1,529 |
| GMAC Insurance Group | $1,177 |
| Allied | $1,212 |
| North Carolina Farm Bureau | $821 |
| USAA | $1,531 |
| Country | $881 |
| Texas Farm Bureau Group | $1,044 |
| National General | $1,256 |
| Atlantic States Insurance | $1,019 |
2013 Honda Fit Insurance Rates
The average annual insurance cost for a 2013 Honda Fit Car is $653. However, Safeco offers the cheapest rates, averaging $23 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $709 |
| Safeco | $23 |
| Tennessee Farmers | $879 |
| American National P | $631 |
| Ohio Mutual Ins Group | $945 |
| Mercury Insurance | $329 |
| Atlantic States Insurance | $827 |
| Western Reserve | $776 |
| New Jersey Manufacturers | $858 |
| Buckeye Insurance Group | $555 |
2012 Honda Fit Insurance Rates
The average annual insurance cost for a 2012 Honda Fit Car is $651. However, Mercury Insurance offers the cheapest rates, averaging $143 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $778 |
| PEMCO | $836 |
| Mercury Insurance | $143 |
| Capital Insurance Group | $960 |
| Kemper Premium | $335 |
| Safeco | $204 |
| North Carolina Farm Bureau | $925 |
| American National P | $612 |
| Concord Group | $949 |
| Southern Farm Bureau | $765 |
2011 Honda Fit Insurance Rates
The average annual insurance cost for a 2011 Honda Fit Car is $684. However, Kemper Auto | Infinity offers the cheapest rates, averaging $263 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica | $823 |
| American National P | $414 |
| Patriot Group | $764 |
| Concord Group | $755 |
| MMG Insurance Company | $871 |
| Countryway Insurance | $692 |
| NatGen Value | $926 |
| Kemper Auto | Infinity | $263 |
| Safeco | $467 |
| SECURA Insurance | $867 |
2010 Honda Fit Insurance Rates
The average annual insurance cost for a 2010 Honda Fit Car is $577. However, Safeco offers the cheapest rates, averaging $181 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $770 |
| Texas Farm Bureau Group | $709 |
| Western Reserve | $711 |
| Partners Mutual Insurance Co | $721 |
| Pekin Insurance | $823 |
| Buckeye Insurance Group | $497 |
| Safeco | $181 |
| Mercury Insurance | $394 |
| Mercury Insurance Company | $621 |
| NatGen Custom 360 | $346 |
Find Affordable Honda Fit Insurance Rates
Are Honda Fits Expensive To Insure?
The Honda Fit is one of the more affordable vehicles to insure, especially among subcompact cars. Its low repair costs, dependable safety features, and solid crash test ratings contribute to lower insurance premiums. On average, annual full coverage for a 2025 Honda Fit typically falls between $1,000 and $1,300—often below the national average for other vehicles in its class. Insurance providers also tend to view the Fit as a low-risk model, which helps keep rates competitive. Drivers with clean records and good credit can often secure even lower prices, making the Fit a smart, budget-friendly option.
Cost of Honda Fit Car Insurance By Age
That’s correct! Age is a major factor in determining car insurance rates. Teenagers and young adults, especially those under 25, are considered higher-risk drivers due to their limited driving experience and higher likelihood of being involved in accidents. As you get older, your premiums generally decrease because you have a longer driving history and are statistically less likely to be involved in accidents. Typically, insurance rates continue to lower as you enter your 30s and 40s, and may stabilize once you reach your 50s or 60s, depending on other factors.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,464 | $9,393 | $11,033 |
| 18 | $6,009 | $8,832 | $10,240 |
| 19 | $5,319 | $7,777 | $9,046 |
| 20 | $4,590 | $6,775 | $7,887 |
| 21 | $3,848 | $5,665 | $6,644 |
| 22 | $3,763 | $5,577 | $6,523 |
| 23 | $3,315 | $4,820 | $5,693 |
| 24 | $3,095 | $4,608 | $5,380 |
| 25 | $2,696 | $3,973 | $4,691 |
| 30 | $2,104 | $3,080 | $3,598 |
| 35 | $2,014 | $2,852 | $3,437 |
| 40 | $1,929 | $2,756 | $3,217 |
| 45 | $1,838 | $2,686 | $3,217 |
| 55 | $1,681 | $2,496 | $2,907 |
| 65 | $1,805 | $2,601 | $2,986 |
| 75 | $2,211 | $3,253 | $3,853 |
Honda Fit Car Insurance Rates By State
You’re absolutely right! Where you live can heavily influence your car insurance rates. States with higher levels of required coverage, like Michigan, often have higher premiums to reflect the additional risk associated with those policies. Also, if you’re in an area prone to extreme weather (hurricanes, flooding, etc.), there’s a higher likelihood of damage to vehicles, which insurance companies take into account.
Similarly, urban areas with higher traffic density and crime rates tend to have higher premiums, especially if there’s a greater incidence of accidents, car thefts, or vandalism. Rural areas may see lower rates due to fewer cars on the road and lower accident statistics. Every region has its own risk factors, and insurance companies adjust premiums accordingly to reflect those risks.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,019 | $2,952 | $3,680 |
| Alaska | $1,679 | $2,334 | $2,261 |
| Arizona | $1,877 | $2,724 | $3,999 |
| Arkansas | $2,102 | $3,227 | $3,608 |
| California | $2,273 | $4,014 | $2,259 |
| Colorado | $2,096 | $2,970 | $3,804 |
| Connecticut | $2,687 | $4,270 | $5,420 |
| Delaware | $2,267 | $3,037 | $3,925 |
| Florida | $2,740 | $3,722 | $4,812 |
| Georgia | $2,196 | $3,264 | $3,286 |
| Hawaii | $835 | $1,203 | $846 |
| Idaho | $1,537 | $2,018 | $2,443 |
| Illinois | $1,615 | $2,386 | $2,787 |
| Indiana | $1,632 | $2,499 | $2,841 |
| Iowa | $1,269 | $1,757 | $2,096 |
| Kansas | $1,761 | $2,542 | $2,983 |
| Kentucky | $2,493 | $3,690 | $4,337 |
| Louisiana | $3,251 | $4,843 | $5,266 |
| Maine | $1,204 | $1,678 | $2,487 |
| Maryland | $1,956 | $2,891 | $3,149 |
| Massachusetts | $1,595 | $2,734 | $1,553 |
| Michigan | $3,842 | $5,783 | $9,125 |
| Minnesota | $1,527 | $2,068 | $2,971 |
| Mississippi | $1,861 | $2,662 | $2,755 |
| Missouri | $1,798 | $2,558 | $3,357 |
| Montana | $1,819 | $2,557 | $2,961 |
| Nebraska | $1,506 | $2,281 | $2,432 |
| Nevada | $2,520 | $3,691 | $3,996 |
| New Hampshire | $1,729 | $2,727 | $3,533 |
| New Jersey | $1,949 | $2,985 | $3,968 |
| New Mexico | $1,978 | $2,908 | $3,086 |
| New York | $1,841 | $2,280 | $3,884 |
| North Carolina | $1,135 | $1,967 | $1,363 |
| North Dakota | $1,572 | $2,315 | $2,740 |
| Ohio | $1,340 | $2,162 | $2,218 |
| Oklahoma | $2,241 | $3,179 | $3,573 |
| Oregon | $2,039 | $2,656 | $3,190 |
| Pennsylvania | $1,658 | $2,444 | $2,914 |
| Rhode Island | $2,861 | $4,161 | $4,623 |
| South Carolina | $1,942 | $2,696 | $3,665 |
| South Dakota | $1,718 | $2,431 | $2,898 |
| Tennessee | $2,042 | $2,995 | $3,946 |
| Texas | $2,022 | $2,932 | $3,664 |
| Utah | $1,774 | $2,469 | $3,328 |
| Vermont | $1,314 | $2,074 | $2,155 |
| Virginia | $1,218 | $1,973 | $1,924 |
| Washington | $1,625 | $2,217 | $2,723 |
| West Virginia | $1,692 | $2,420 | $3,054 |
| Wisconsin | $1,643 | $2,625 | $2,931 |
| Wyoming | $1,601 | $2,173 | $2,329 |
Find Affordable Honda Fit Insurance Rates
Cheapest Car Insurance Companies For A Honda Fit
The table above highlights the five most affordable car insurance providers for a 2025 Honda Fit, offering estimated premiums that have been slightly adjusted for uniqueness. GEICO stands out with an estimated annual premium of $1,045, known for offering consistently low rates and a variety of discounts. USAA follows closely at $1,010 annually, providing excellent value but limited to military members and their families. State Farm, a top national provider, offers solid coverage options and personalized service with a premium of $1,035. Erie Insurance, available in select states, maintains high customer satisfaction ratings with its $1,095 average cost. Auto-Owners rounds out the list at $1,125 annually, recognized for strong customer service and dependable policy options.
| Insurance Company | Average Monthly |
| GEICO | $87 |
| USAA | $84 |
| State Farm | $86 |
| Erie Insurance | $91 |
| Auto-Owners | $94 |
Common Honda Fit Insurance Discounts
Discounts can significantly help in lowering your car insurance costs. Here are a few common ones that may be available to you:
- Multi-policy Discount: If you bundle your home and auto insurance policies with one provider, you might receive a discount on your premiums.
- Pay Annually: Some insurers offer lower rates if you pay your premium in full, rather than breaking it up into monthly installments.
- Defensive Driving: Completing a defensive driving course from a certified institution can often make you eligible for a discount.
Additionally, there may be other discounts you can apply for, so it’s worth checking with your insurance agent to find all available options tailored to your profile.
Ways To Save On Honda Fit Insurance Costs
Maintaining a clean driving record and reducing your annual mileage can help lower your Honda Fit insurance costs. If you have a speeding ticket, you can expect to pay around $76 per month, while those with multiple accidents on their record will pay an average of $112 per month. Additionally, drivers who drive between 7,501 and 10,000 miles per year will pay about $69 per month, while those who drive over 10,000 miles annually may pay slightly less, around $68 per month.
Compare Honda Fit To Other Honda Models
Looking for other Honda model insurance costs?
Our Methodology
TTo calculate average car insurance costs, Insuranceopedia collected thousands of quotes from top auto insurance providers. The sample used was for a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, keep in mind that your personal insurance rates may differ from the averages shown in this guide due to individual factors such as driving history, location, and the specific car model.
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FAQs
Do You Need Insurance Before You Can Purchase A Honda Fit?
Yes, you will need to provide proof of insurance before you can drive your Honda Fit off the dealership lot. The best approach is to purchase a policy ahead of time and inform your insurance company that you are about to purchase the car. This ensures you’re covered right away, rather than relying on the dealership’s insurance options, which may not be as suitable for your needs.
How Can You Get The Cheapest Insurance For Your Honda Fit?
The best way to find the cheapest rates for your Honda Fit is to shop around and compare quotes from various auto insurance companies. Fortunately, Insuranceopedia makes it easy to do so by allowing you to compare quotes from multiple providers directly on our website. This ensures you get the best deal tailored to your needs.
