How Much Does Insurance Cost for a Honda Fit? Rates & Insights for 2025

How much does Honda Fit car insurance cost? We compared average car insurance rates for the Fit LX model up to the EX-L trim level to see how prices compared to the rest of the compact car segment.

Start a Free QuoteCompare Honda Fit car insurance quotes and save on your next policy.

How much does Honda Fit insurance cost?

Honda Fit car insurance costs on average $1,648 yearly, or $137 on a monthly basis. With average insurance for the compact car segment costing $1,973 per year, the Fit is $325 cheaper.

Average monthly payments to insure a 2020 Honda Fit for full coverage range from $132 per month on the Fit LX Hatchback model to $143 per month on the EX-L Hatchback model. These rates can vary quite a bit based on factors like the age of the driver and the policy limits, as demonstrated by the next illustration.

The following chart demonstrates how Honda Fit car insurance rates vary based on the age of the rated driver and the chosen policy deductibles. The yearly policy cost range from a low of $1,206 per year for a 60-year-old driver with deductibles of $1,000 to the highest policy cost of $3,700 each year for a driver age 20 with a deductible of $250.

Average 2020 Honda Fit car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2020 Honda Fit car insurance premiums for different driver ages and policy deductibles. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on a 2020 model year Honda Fit. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2020 Honda Fit Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$2,870$239
$500$3,274$273
$250$3,700$308
30-Year-Old$1,000$1,506$126
$500$1,742$145
$250$1,982$165
40-Year-Old$1,000$1,430$119
$500$1,648$137
$250$1,870$156
50-Year-Old$1,000$1,290$108
$500$1,476$123
$250$1,670$139
60-Year-Old$1,000$1,206$101
$500$1,378$115
$250$1,558$130

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2020 Honda Fit. Updated June 26, 2025

As shown in the chart above, higher deductibles can reduce the cost of car insurance, while lower deductibles increase average prices. Younger drivers tend to pay higher rates as well, but they continue to fall generally until age 60 or 65 when they begin to creep back up.

Honda Fit insurance vs. the competition

When rates are compared to the top-selling vehicles in the small car segment, Honda Fit insurance costs $226 less per year than the Honda Civic, $42 less than the Toyota Corolla, $172 less than the Nissan Sentra, and $582 less than the Hyundai Elantra.

The Honda Fit ranks second out of 27 comparison vehicles in the small car segment for insurance affordability. The Fit costs an average of $1,648 per year for full coverage insurance and the class average is $1,973 annually, a difference of $325 per year.

The chart below shows how well average 2020 Honda Fit car insurance rates compare to the top 10 best-selling small cars in America. Following the chart, we included a table that displays the average insurance cost for all 27 models in the small car category, plus a difference column that shows how much cheaper or more expensive each model’s insurance is than the Honda Fit.

Average 2020 Honda Fit car insurance premium compared to other small car models.
Figure 2: Average 2020 Honda Fit car insurance premium compared to other small car models. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2020 model year Honda Fit. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Honda Fit trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Honda Fit Insurance Cost Compared to All Small Cars
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,586-$62
2Honda Fit$1,648--
3Fiat 500L$1,666$18
4Toyota Corolla$1,690$42
5Volkswagen Golf$1,732$84
6Toyota Yaris$1,752$104
7Subaru Impreza$1,778$130
8Fiat 124 Spider$1,806$158
9Nissan Sentra$1,820$172
10Mazda 3$1,834$186
11Honda Civic$1,874$226
12Kia Rio$1,880$232
13Hyundai Accent$1,898$250
14Kia Forte$1,916$268
15Toyota Prius$2,024$376
16Hyundai Veloster$2,080$432
17Volkswagen GTI$2,088$440
18Volkswagen Jetta$2,100$452
19Nissan Versa$2,110$462
20Nissan Leaf$2,128$480
21Mitsubishi Mirage G4$2,130$482
22Chevrolet Sonic$2,168$520
23Honda Clarity$2,206$558
24Hyundai Elantra$2,230$582
25Hyundai Ioniq$2,274$626
26Toyota 86$2,406$758
27Toyota Mirai$2,460$812

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2020 model year. Updated June 27, 2025

What is the cheapest Honda Fit insurance?

With Honda Fit insurance rates ranging from $1,586 to $1,710 per year on average, the most budget-friendly model to insure is the LX Hatchback. The second cheapest trim level to insure is the Sport Hatchback at $1,626 per year. On average, expect to budget a minimum of $132 per month to insure a Honda Fit for full coverage.

The most expensive trim levels of Honda Fit to insure are the EX-L Hatchback at $1,710 and the EX Hatchback at $1,666 per year. Those trims will cost an extra $124 and $80 per year, respectively, over the cheapest LX Hatchback model.

The table below shows how insurance rates vary based on each Honda Fit trim level. Average rates are shown for annual, 6-month, and monthly policy terms.

2020 Honda Fit Insurance Rates by Trim Level
2020 Honda Fit Trim Level Annual Premium Cost Per Month
LX Hatchback$1,586$132
Sport Hatchback$1,626$136
EX Hatchback$1,666$139
EX-L Hatchback$1,710$143

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2020 Honda Fit ranging from the LX Hatchback model at $1,586 per year to the EX-L Hatchback model at $1,710
Insurance cost by trim level for a 2020 Honda Fit ranging from the LX Hatchback model at $1,586 per year to the EX-L Hatchback model at $1,710

Are Honda Fit insurance rates cheaper for used models?

Opting for a 2013 Honda Fit in place of a new 2020 model could potentially save $372 per year. Even choosing a used 2017 model could save $198 on a yearly basis.

The following data table shows the average insurance cost for a Honda Fit for various drivers and model years. The range of annual policy costs goes from the most affordable price of $1,074 for a 60-year-old driver rated on a 2013 Honda Fit to the most expensive rate of $3,226 for a 20-year-old driving a 2018 model.

Honda Fit Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2020 Honda Fit$3,274$1,648$1,378
2019 Honda Fit$3,084$1,548$1,298
2018 Honda Fit$3,226$1,622$1,358
2017 Honda Fit$2,882$1,450$1,216
2016 Honda Fit$2,742$1,386$1,164
2015 Honda Fit$2,522$1,266$1,066
2014 Honda Fit$3,322$1,656$1,382
2013 Honda Fit$2,540$1,276$1,074

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Honda Fit trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2013 to 2020 Honda Fit models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2020 Honda Fit models for drivers age 20, 40 and 60

At some point down the road, owners have to decide whether to drop one or both physical damage coverages from the policy. As a vehicle ages, the expense associated with carrying physical damage insurance starts to surpass any benefits.

Removing comprehensive and collision coverage on an older Honda Fit could save around $688 per year, depending on the deductibles and the age of the driver.

How much is Honda Fit insurance for teen drivers?

Average car insurance rates for teenagers on a 2020 Fit are quite expensive. Prices range from a low of $3,865 for a 19-year-old female driver to a high of $5,981 for a 16-year-old male driver when insured on a policy with full coverage.

U.S. News and World Report ranked the Honda Fit as the best new car for teens under $20,000, but how much damage does insuring a teenager on a Honda Fit do to your family budget? The table below shows average car insurance rates for male and female drivers aged 16 to 19 when insured on a Honda Fit with full coverage.

Average cost to insure teenage drivers on a 2020 Honda Fit with full coverage.
Figure 3: Average cost to insure teenage drivers on a 2020 Honda Fit with full coverage. Rates updated on June 27, 2025.

Data Methodology: Teenage driver rates are for a 2020 model year Honda Fit with $500 comprehensive and collision deductibles. Rates are averaged across all U.S. states and all Honda Fit trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Honda Fit Insurance Cost for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$5,981$5,581
17-Year-Old$5,721$5,533
18-Year-Old$4,988$4,659
19-Year-Old$4,604$3,865

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2020 Honda Fit. Updated June 27, 2025

If saving money when insuring your teen is a priority, then you may want to consider buying an older model year and not insuring for physical damage coverage. Liability insurance is still pricey on any vehicle driven by an inexperienced teen driver, but not paying for comprehensive and collision coverage will knock a good chunk off your insurance bill.