The Honda Fit is a subcompact hatchback car that first debuted in the U.S. in 2006. Honda discontinued the Fit after the 2020 model year as consumers began to favor larger vehicles like SUVs, but you can still spot these cars on the road today. No matter which type of Fit you drive, it needs to be protected with the right car insurance.
When it's time to find the best Honda Fit insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a used Honda Fit at a great rate. But first, here's a deep dive into how much it costs to insure a Honda Fit by model year and top-rated insurance company in 2026.
Key Takeaways - Honda Fit Car Insurance
- Honda Fit insurance costs an average of $1,534 per year, or approximately $128 per month, for full coverage in 2026.
- Your age, location, credit, vehicle trim level, and driving history can all impact the cost of Honda Fit insurance.
- Progressive, American Family, and USAA are the cheapest carriers for model-year 2020 Honda Fit insurance this year.
- Honda Fit insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $27 monthly for minimum coverage, while those in Louisiana pay $161.
- Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Honda Fit model.
What Is Honda Fit Insurance?
Honda Fit insurance is a type of car insurance policy that includes customized coverage options for your specific vehicle. As a subcompact car, the Fit likely doesn't require any additional coverage beyond that of standard sedans. The Fit's average car insurance rates also trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Honda Fit drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Honda Fit:
- Honda warranty insurance: This can extend Honda's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Honda parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Honda vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
Most states require several types of car insurance. A local independent insurance agent can help you satisfy your state's minimum car insurance requirements for your Fit so you can avoid noncompliance fines and other penalties.
How Much Does Honda Fit Insurance Cost?
The average cost of car insurance for a Honda Fit is $1,534 per year, or approximately $128 per month, for full coverage. However, several factors can influence the cost of Honda insurance, including:
- The specific type of Fit you drive
- Your driving history
- Your location
- Your claims history
- Vehicle safety features
- Annual mileage
- The types and amount of coverage you need
- Your credit score (where allowed)
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Honda Fit full coverage insurance or a basic Honda Fit liability insurance policy.
Is the Honda Fit Expensive to Insure?
No, the Honda Fit isn't expensive to insure on average. The average monthly cost of Honda Fit auto insurance is $128, while the average for other hatchbacks is $164.
| Vehicle | Average Monthly Cost of Car Insurance |
|---|---|
| Honda Fit | $128 |
| All Hatchbacks | $164 |
Honda Fit Insurance Costs by Model Year
Next, we'll break down several model years of the Honda Fit and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
|---|---|
| 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 |
Cheapest Honda Fit Car Insurance Companies for 2026
Affordable Honda Fit insurance is available from many different insurers across the country. These top-rated car insurance companies provide the cheapest model-year 2020 Honda Fit insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
|---|---|
| Progressive | $1,238 |
| American Family | $1,384 |
| USAA | $1,427 |
| Erie | $1,513 |
| Nationwide | $1,868 |
| Allstate | $2,507 |
Honda Fit Car Insurance Rates by State
Your location is a major factor that influences car insurance costs. Here are some average auto insurance rates for the Honda Fit by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| 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 |
Average Honda Fit Insurance Rates by Driver Age and Profile
Your age, credit, and driving history can also greatly impact car insurance premiums. Teens and young drivers are likely to pay the most, by far, for Honda Fit insurance. Car insurance rates typically begin to drop dramatically around age 25.
Once a driver reaches about age 65, car insurance costs start to gradually climb again through their senior years. Here are some average insurance rates for the Honda Fit by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
|---|---|---|---|
| 18 | $6,009 | $8,832 | $10,240 |
| 20 | $4,590 | $6,775 | $7,887 |
| 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 |
Average Honda Fit Insurance Rates by Trim Level
Your vehicle's specific trim level can also affect the cost of auto insurance. Here are some average rates for Honda Fit insurance by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| 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 |
Best Honda Fit Insurance Discounts: How to Lower Your Honda Fit Insurance Premiums
Honda Fit insurance is already fairly affordable, but you can take simple steps to potentially reduce your premiums even further. Follow any of the tips below to save even more money on your Honda Fit insurance:
- Ask about Honda Fit insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Honda may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Honda Fit insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Honda Fit insurance from a trusted carrier near you.
Your independent insurance agent knows which carriers offer the most affordable Honda Fit insurance. They can help you find discounts and recommend additional strategies to maximize your coverage savings.
An Independent Insurance Agent Can Help You Get the Best Honda Fit Insurance Quotes
When it's time to find the most affordable Honda Fit insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Honda Fit insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Honda Fit Insurance
How much does Honda Fit insurance cost per year?
The average annual cost of full coverage for a Honda Fit is $1,534 per year, or approximately $128 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Honda Fit insurance premiums?
Living in a high-theft area, having filed past claims, having poor credit, and having accidents on your record can all increase Honda Fit auto premiums.
Is the Honda Fit expensive to insure?
No, the Honda Fit isn't expensive to insure on average. The cost of a six-month full coverage policy is only $767.
What are the best and cheapest carriers for Honda Fit insurance in 2026?
We found that Progressive, American Family, and USAA are the best and cheapest car insurance companies for model-year 2020 Honda Fit insurance this year.
Is insurance cheaper for the Fit than for other hatchbacks?
Yes, the Honda Fit's average insurance rates are cheaper than those for other hatchbacks. While the Fit's average full coverage rates are just $128 per month, other hatchbacks average $164 per month.
How can I get cheaper Honda Fit insurance?
Finding cheaper Honda Fit insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.thezebra.com/auto-insurance/vehicles/honda/fit/
https://www.moneygeek.com/insurance/auto/honda-fit-insurance/
https://www.insuranceopedia.com/auto-insurance/honda-fit-car-insurance