Honda Fit vs Scion iQ Insurance Cost

The Scion iQ is cheaper to insure by about $85 a year for full coverage by our estimate ($1,305 vs. $1,220), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Honda Fit	Scion iQ	Difference
State minimum	$605	$625	−$20
Standard (100/300/100)	$880	$910	−$30
Full coverage	$1,305	$1,220	+$85

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Fit minus iQ.

Why one costs more to insure

Factor	Honda Fit	Scion iQ
Segment	Subcompact car	Subcompact car
Powertrains	Gasoline, Electric	Gasoline, Electric
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	5★	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	7	1

Fit vs iQ insurance by state

State	Fit	iQ	Difference
Alabama	$1,105	$1,015	+$90
Alaska	$1,135	$1,050	+$85
Arizona	$1,375	$1,290	+$85
Arkansas	$1,100	$995	+$105
California	$1,250	$1,150	+$100
Colorado	$1,460	$1,345	+$115
Connecticut	$1,420	$1,340	+$80
Delaware	$1,520	$1,455	+$65
District of Columbia	$1,630	$1,510	+$120
Florida	$1,970	$1,905	+$65
Georgia	$1,675	$1,600	+$75
Hawaii	$880	$810	+$70
Idaho	$880	$815	+$65
Illinois	$1,115	$1,030	+$85
Indiana	$910	$840	+$70
Iowa	$835	$750	+$85
Kansas	$995	$900	+$95
Kentucky	$1,105	$1,035	+$70
Louisiana	$1,820	$1,710	+$110
Maine	$810	$745	+$65
Maryland	$1,485	$1,395	+$90
Massachusetts	$1,275	$1,185	+$90
Michigan	$1,405	$1,300	+$105
Minnesota	$1,055	$965	+$90
Mississippi	$1,220	$1,120	+$100
Missouri	$1,160	$1,070	+$90
Montana	$990	$895	+$95
Nebraska	$1,000	$905	+$95
Nevada	$1,585	$1,530	+$55
New Hampshire	$910	$840	+$70
New Jersey	$1,635	$1,565	+$70
New Mexico	$1,155	$1,065	+$90
New York	$1,805	$1,720	+$85
North Carolina	$930	$840	+$90
North Dakota	$775	$685	+$90
Ohio	$915	$840	+$75
Oklahoma	$1,130	$1,030	+$100
Oregon	$1,210	$1,155	+$55
Pennsylvania	$1,105	$1,010	+$95
Rhode Island	$1,620	$1,535	+$85
South Carolina	$1,435	$1,365	+$70
South Dakota	$915	$805	+$110
Tennessee	$1,055	$965	+$90
Texas	$1,515	$1,390	+$125
Utah	$1,220	$1,160	+$60
Vermont	$805	$725	+$80
Virginia	$1,120	$1,040	+$80
Washington	$1,165	$1,105	+$60
West Virginia	$1,050	$955	+$95
Wisconsin	$865	$795	+$70
Wyoming	$940	$825	+$115

By driver profile (full coverage)

Driver	Fit	iQ
Teen driver (18, own policy)	$3,590	$3,350
Young adult (22)	$2,090	$1,950
Adult in their 30s	$1,305	$1,220
Adult in their 50s	$1,200	$1,120
Senior (72)	$1,460	$1,365
30s, one at-fault accident	$1,895	$1,765
30s, DUI on record	$2,415	$2,255

More comparisons

Frequently asked questions

Is the Honda Fit or the Scion iQ cheaper to insure?

By our estimate the Scion iQ is cheaper, by about $85 a year for full coverage ($1,305 vs. $1,220) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Honda Fit and Scion iQ?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page