Vehicles & Usage
Honda Fit Car Insurance Costs in New Zealand: 2026 Premium Data & Quote Comparison
Honda Fit insurance prices in New Zealand can vary with the vehicle year, location, driver details, cover, excess and vehicle valuation. Insurspy’s aggregated historical quote results show an average comprehensive premium of $1,142 a year during this page’s data period.
Before you compare car insurance quotes in New Zealand, check cover, excess and vehicle valuation as well as the premium.
Summary
- Across Honda Fit quotes analysed, the average annual premium was $1,142 for comprehensive cover, $266 for third party cover and $515 for third party, fire and theft.
- For comprehensive cover, AA had the lowest average annual premium ($977), followed by COVE ($991) and State ($1,073). These are historical averages, not prices available to every driver.
- In like-for-like comparisons, AA was lowest in 38.5% of comparisons, COVE in 36.3%, and ANZ in 26.9%. Like-for-like means comparing available insurer prices for the same vehicle and the same insurance details.
- Comprehensive prices differed substantially in some like-for-like results, with gaps of more than $2,000 a year between the lowest and highest prices.
- Government consumer guidance says to compare cover, not premium alone, including whether a policy uses market value or agreed value. A higher excess may reduce premium, but should remain affordable if you claim.
| Cover type | Quotes analysed | Average annual premium | Average monthly premium | Median annual premium |
|---|---|---|---|---|
| Comprehensive (CP) | 2,276 | $1,142 | $103 | $1,070 |
| Third party (TP) | 250 | $266 | $24 | $243 |
| Third party, fire and theft (TPFT) | 369 | $515 | $46 | $502 |
Comprehensive cover: historical insurer comparison
This table shows averages across all Honda Fit comprehensive prices analysed. Vehicle values, excesses and the customer details for which quotes were available were not identical across insurers, so this is not a direct ranking of identical cover.
| Insurer | Quotes analysed | Average annual premium | Average excess | Average agreed value | Lowest-price share in like-for-like comparisons |
|---|---|---|---|---|---|
| AA | 299 | $977 | $478 | $7,169 | 38.5% |
| COVE | 234 | $991 | $475 | $7,187 | 36.3% |
| State | 293 | $1,073 | $478 | $7,272 | 14.0% |
| AMI | 297 | $1,114 | $488 | $7,301 | 0.3% |
| AMP | 307 | $1,211 | $532 | $6,899 | 3.9% |
| Tower | 325 | $1,244 | $482 | $7,086 | 3.4% |
| ANZ | 216 | $1,246 | $549 | $6,874 | 26.9% |
| Trade Me | 305 | $1,263 | $481 | $7,104 | 0.3% |
Average insurer price by cover type
| Cover type | Lowest average insurer | Average annual premium | Next lowest | Average annual premium |
|---|---|---|---|---|
| Comprehensive | AA | $977 | COVE | $991 |
| Third party | ANZ | $209 | State | $244 |
| Third party, fire and theft | State | $446 | ANZ | $451 |
Location examples: 2014 Honda Fit comprehensive cover
These are historical results for 2014 Honda Fit comprehensive cover by location. Location labels are locality or area labels, not street addresses. Differences shown do not establish that location caused a price difference.
| Location | AA | AMI | State | COVE | Tower | ANZ |
|---|---|---|---|---|---|---|
| Albany, Auckland (0632) | $960 | $1,335 | $1,321 | $1,106 | $1,476 | $1,794 |
| Auckland City Centre, Auckland (1010) | $1,118 | $1,228 | $1,214 | $1,335 | $1,482 | $2,665 |
| Bayview, Auckland (0629) | $913 | $1,054 | $1,038 | $1,200 | $1,059 | $2,453 |
| East Coast Bays, Auckland (0630) | $1,313 | $1,391 | $1,375 | $1,742 | $1,547 | $1,525 |
| Huntington, Hamilton (3210) | $834 | $1,059 | $1,036 | $646 | $1,154 | $921 |
Larger like-for-like price spreads
These comprehensive results compare available insurer prices for the same vehicle and insurance details. They show why it is worth getting several current quotes; they do not predict your premium.
| Vehicle year | Lowest insurer | Lowest annual premium | Highest insurer | Highest annual premium | Full spread |
|---|---|---|---|---|---|
| 2013 | AA | $1,048 | ANZ | $3,388 | $2,340 |
| 2012 | AA | $1,048 | ANZ | $3,388 | $2,340 |
| 2015 | AA | $976 | ANZ | $3,153 | $2,177 |
| 2008 | State | $1,724 | Trade Me | $3,831 | $2,107 |
| 2014 | COVE | $1,333 | ANZ | $3,309 | $1,976 |
Vehicle-year coverage
| Honda Fit vehicle year | Vehicles included |
|---|---|
| 2008 | 30 |
| 2012 | 30 |
| 2013 | 46 |
| 2014 | 35 |
| 2015 | 18 |
| 2020 | 8 |
How we compared the quotes
Insurspy analysed aggregated historical Honda Fit quote results dated from 11 March 2025 to 10 August 2026. This page includes 312 matched vehicles, 424 quotes and 2,895 insurer price results. Premiums are historical annual or monthly results in New Zealand dollars.
Like-for-like comparisons only compare insurer prices available for the same vehicle and the same insurance details. Average premiums combine all results included for an insurer, so they can reflect differences in vehicle year, location, driver details, selected cover, excess and agreed value.
Important: historical quotes do not guarantee a price. Any $0 record has been retained as a recorded historical result and should not be treated as free insurance. Get a fresh quote and read the current policy wording before buying.
What to check when buying Honda Fit insurance
| Check | Why it matters | Useful question |
|---|---|---|
| Cover type | Comprehensive, third party and TPFT protect different things. | Is damage to your own car covered? |
| Vehicle valuation | A policy may use market value or agreed value. | Is the settlement value suitable for your Fit? |
| Excess | A higher excess may lower premium, but you pay it when claiming. | Could you realistically pay it after a claim? |
| Drivers and use | Your information needs to be complete, honest and current. | Have drivers, use and modifications been disclosed? |
New Zealand Government Consumer Protection guidance says to compare what policies cover, not only their premium, and to consider market-value or agreed-value arrangements. ICNZ guidance also says policyholders must give full, honest and accurate information, including relevant changes involving vehicle use, drivers, convictions, modifications and previous claims.
FAQ
What is the average cost of comprehensive Honda Fit insurance?
For this data period, the average annual Honda Fit comprehensive premium was $1,142 and the average monthly premium was $103. Your own price can differ.
Should I choose comprehensive or third party cover for a Honda Fit?
That depends on whether you want cover for damage to your own vehicle, the vehicle’s value, the excess you can afford and your ability to replace the vehicle after an accident. Compare the cover and settlement arrangement, rather than deciding only by vehicle year or premium.
Does a higher excess always make insurance cheaper?
A higher excess may reduce the premium, but choose an amount you could genuinely pay after a claim. Results vary by insurer and insurance details.
What New Zealand drivers discuss on Reddit
These are themes from individual public discussions. They are not representative evidence and are not a substitute for policy wording or personalised quotes.
- In an r/newzealand discussion about Honda Fit premiums, contributors discuss how driver details, vehicle specification, location, cover and excess can lead to different quotes.
- A Honda Fit Hybrid thread reflects some owners’ interest in shopping around between providers for suitable cover.
- A PersonalFinanceNZ discussion considers whether comprehensive cover remains worthwhile for lower-value cars, including replacement affordability, excess and third-party liability protection.
Author and content note
This guide was prepared by the Insurspy editorial team to help New Zealand Honda Fit owners understand historical price ranges and comparison methods. Premium statistics come only from Insurspy’s aggregated historical quote results; general insurance guidance comes from the government and industry sources below. This is not financial, legal or insurance advice, and is not a recommendation of any insurer.
Quotes change. Get fresh personalised quotes before renewal, purchase, or changing vehicle use, driver details or cover. Check current policy wording, exclusions, valuation and excess.
References
- Insurspy data note (2025-03-11 to 2026-08-10): aggregated historical Honda Fit quote results.
- New Zealand Government Consumer Protection: Car insurance
- Insurance Council of New Zealand: Things You Need to Tell Your Insurer