A Honda Fit's annual full coverage insurance ranges from $908 to $5,357. Rates vary based on model year, driver's age, location, driving history, coverage level and insurer. This MoneyGeek article breaks down Honda Fit insurance costs, offering insights into the best companies and most affordable options.
Honda Fit Insurance Cost
Updated: March 17, 2025
Key Takeaways
GEICO offers the most affordable coverage across all Honda Fit model years, starting at $468 annually.
Insuring a Honda Fit costs $579 per year for minimum coverage, while full coverage averages $1,230.
MoneyGeek analyzed 3,586 quotes for the Honda Fit from Quadrant Information Services to provide a comprehensive view of the model's insurance costs.
Honda Fit Insurance Rates
What Is the Average Honda Fit Car Insurance Cost?
For full coverage on a Honda Fit, expect to pay around $103 monthly or $1,230 annually, based on a 40-year-old male driver with a clean record. Minimum coverage averages $48 per month or $579 per year.
| Minimum Coverage | $579 |
| Full Coverage | $1,230 |
Read more: Average Cost of Car Insurance
Honda Fit Insurance Costs by Company
Honda Fit insurance costs range from $937 to $1,767 annually, depending on age, model year and coverage level. The table below compares average Honda Fit insurance rates with the averages for all vehicles from national and midsize providers.
| Allstate | $1,280 | $1,815 | -29% |
| Auto-Owners | $1,120 | $1,227 | -9% |
| Farmers | $1,578 | $1,958 | -19% |
| GEICO | $1,013 | $1,334 | -24% |
| Kemper | $1,767 | $2,214 | -20% |
| Nationwide | $1,329 | $1,590 | -16% |
| Progressive | $1,373 | $1,745 | -21% |
| State Farm | $1,008 | $1,271 | -21% |
| Travelers | $1,200 | $1,523 | -21% |
| USAA | $937 | $1,201 | -22% |
Read more: Best Car Insurance Companies
Cost of Insuring a Honda Fit by Model Year
Your Honda Fit's production year affects your insurance rates, with older models typically costing less. For example, full coverage for a 2020 model averages $1,383 annually, while a 2009 model costs about $1,108. Below are the average full and minimum coverage rates by production year.
| 2020 | $605 | $1,383 |
| 2019 | $608 | $1,373 |
| 2018 | $609 | $1,344 |
| 2017 | $583 | $1,315 |
| 2016 | $604 | $1,286 |
| 2015 | $601 | $1,256 |
| 2014 | $572 | $1,223 |
| 2013 | $590 | $1,189 |
| 2012 | $584 | $1,155 |
| 2011 | $561 | $1,140 |
| 2010 | $584 | $1,124 |
| 2009 | $583 | $1,108 |
Honda Fit Insurance Costs by Driver Age
Honda Fit auto insurance rates vary greatly by the driver's age. For instance, a 40-year-old pays around $1,241 annually for full coverage, while a 16-year-old pays about $5,357. Below are the average full and minimum coverage rates for Honda Fit drivers of different ages.
| 16 | $2,695 | $5,357 |
| 17 | $2,192 | $4,363 |
| 18 | $1,912 | $3,844 |
| 19 | $1,353 | $2,735 |
| 20 | $1,215 | $2,487 |
| 21 | $964 | $2,010 |
| 22 | $879 | $1,846 |
| 23 | $815 | $1,724 |
| 24 | $773 | $1,641 |
| 25 | $687 | $1,467 |
| 26 | $671 | $1,423 |
| 27 | $655 | $1,392 |
| 28 | $644 | $1,370 |
| 29 | $634 | $1,351 |
| 30 | $612 | $1,303 |
| 35 | $597 | $1,264 |
| 40 | $590 | $1,241 |
| 45 | $585 | $1,226 |
| 50 | $571 | $1,189 |
| 55 | $556 | $1,157 |
| 60 | $556 | $1,153 |
| 65 | $593 | $1,206 |
| 70 | $643 | $1,292 |
| 75 | $713 | $1,416 |
| 80 | $808 | $1,579 |
| 85 | $875 | $1,695 |
| 90 | $923 | $1,775 |
Honda Fit Insurance Rates Explained
Car insurance rates depend on a driver’s profile and their vehicle. Factors like the car’s make, model, age, safety features and repair costs can influence premiums.
Honda Fit Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Honda Fit
Average Full Coverage Rate
$1,230Premiums for Honda Fit are cheaper:$66 saved
This is 5% less expensive.
Value
The Honda Fit's MSRP is $21,615. As a compact car, its classification and price influence insurance rates, with insurers factoring in the MSRP when setting premiums.
Repair costs
The Honda Fit's annual repair cost is $390, below the national average, which can help reduce insurance premiums.
Performance
The Honda Fit’s horsepower ranges from 128 to 130. Its classification as a non-high-performance vehicle may help keep insurance costs moderate.
Vehicle age
Newer Honda Fit models are typically more expensive to insure than older ones.
Safety features
The Honda Fit has safety features like stability control and airbags, which can qualify for insurance discounts.
Vehicle size
The Honda Fit, a compact vehicle with a maximum curb weight of 2,648 lbs, may have lower insurance costs than larger vehicles.
Trim level
Higher trim levels of the Honda Fit, like the EX-L CVT, may have higher insurance costs than the base model.
Cheapest Honda Fit Insurance
GEICO offers the lowest annual rate for Honda Fit insurance at $468 for minimum coverage, based on a 40-year-old male driver with a clean record. Below is a breakdown of affordable auto insurance rates across coverage levels, age groups and more.
Cheapest Honda Fit Insurance by Coverage Level
Choosing your coverage level has a major impact on your Honda Fit insurance rate. GEICO offers the cheapest average minimum coverage rate, while State Farm is the most affordable for full coverage. Below is a breakdown of the cheapest providers for both types.
Cheapest Honda Fit Minimum Coverage
GEICO offers the cheapest minimum coverage for a Honda Fit at $39 per month, followed by State Farm at $40, Travelers at $47 and Progressive at $53.
| USAA | $32 | $378 |
| GEICO | $39 | $468 |
| State Farm | $40 | $476 |
| Travelers | $47 | $560 |
| Progressive | $53 | $636 |
| Nationwide | $56 | $667 |
| Allstate | $56 | $678 |
| Farmers | $57 | $689 |
*GEICO offers non-military-affiliated Honda Fit owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Honda Fit Insurance Rates by Model Year
The above list doesn’t account for your Honda Fit’s production year, which can affect insurance rates. Use the table below to filter and find the cheapest minimum coverage rates for each production year.
Data filtered by:Results filtered by:
Select
Model Year:2020
| Allstate | $658 | $55 |
| Farmers | $712 | $59 |
| GEICO | $461 | $38 |
| Nationwide | $706 | $59 |
| Progressive | $649 | $54 |
| State Farm | $509 | $42 |
| Travelers | $580 | $48 |
| USAA | $396 | $33 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Honda Fit Insurance
State Farm offers the most affordable full coverage for a Honda Fit at $981 annually or $82 monthnly. Below is the complete list of Honda Fit full coverage insurance providers and rates.
| USAA | $76 | $908 |
| State Farm | $82 | $981 |
| GEICO | $83 | $992 |
| Travelers | $99 | $1,186 |
| Allstate | $103 | $1,233 |
| Nationwide | $105 | $1,262 |
| Progressive | $110 | $1,315 |
| Farmers | $123 | $1,482 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Honda Fit owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Honda Fit Insurance by Age
Drivers aged 16 to 25 and 55+ often face higher Honda Fit insurance costs. Below is a breakdown of the cheapest options by age.
Cheapest Honda Fit Insurance for Young Drivers
Honda Fit drivers aged 16 to 25 can find the cheapest minimum coverage insurance with State Farm at $87 monthly or $1,040 annually. Below is the complete list of affordable car insurance rates for young drivers.
| USAA | $64 | $773 |
| State Farm | $87 | $1,040 |
| GEICO | $92 | $1,108 |
| Travelers | $98 | $1,172 |
| Allstate | $132 | $1,583 |
| Nationwide | $146 | $1,757 |
| Progressive | $147 | $1,768 |
| Farmers | $154 | $1,851 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Honda Fit Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up at $44 monthly or $524 annually. See the full list of affordable Honda Fit insurers below:
| USAA | $42 | $500 |
| State Farm | $44 | $524 |
| GEICO | $47 | $558 |
| Travelers | $56 | $674 |
| Nationwide | $65 | $781 |
| Progressive | $68 | $813 |
| Allstate | $69 | $831 |
| Farmers | $76 | $918 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Honda Fit Insurance After an Accident
State Farm, GEICO and Travelers offer Honda Fit drivers the cheapest car insurance after an accident. Check out the complete list below.
| USAA | $48 | $571 |
| State Farm | $50 | $597 |
| GEICO | $61 | $731 |
| Travelers | $66 | $793 |
| Allstate | $77 | $925 |
| Progressive | $86 | $1,029 |
| Nationwide | $86 | $1,029 |
| Farmers | $113 | $1,352 |
*State Farm provides the lowest rates for non-military-affiliated at-fault Honda Fit drivers. USAA is the most affordable option for military-affiliated drivers.
Honda Fit Insurance Cost: Bottom Line
Regularly comparing rates from different providers can help you find the most affordable car insurance. This article covers Honda Fit insurance in detail, including costs across various demographics and the cheapest providers.
Honda Fit Insurance Rates: FAQ
Below are answers to common questions about Honda Fit insurance costs, covering topics like minimum coverage and affordable plans.
What company has the cheapest car insurance for a Honda Fit?
GEICO is the cheapest insurance provider for a Honda Fit, with an annual minimum coverage rate of $468.
What is the average cost of car insurance for a Honda Fit?
The average annual cost of minimum coverage for a Honda Fit is $579, while full coverage averages $1,230.
Honda Fit Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 3,586 Honda Fit insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Honda Fit:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Honda Fit insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Honda Fit.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.