Honda Insight Insurance Rates

The average insurance rates for a Honda Insight are $1,246 a year with full coverage. Comprehensive insurance costs an estimated $208, collision costs $424, and liability costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing $2,718 or more. Teenage drivers cost the most to insure at $4,874 a year or more.

Average premium for full coverage: $1,246

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Insight trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details estimated Honda Insight insurance rates for other coverage scenarios.

• The best discount rate is $721
• Drivers who choose higher $1,000 deductibles will pay approximately $144 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,246
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $280 annually
• Drivers who are prone to accidents and violations could pay up to $2,718 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,874 a year

View Chart as Image

Auto insurance rates for a Honda Insight also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,800 a year. View Rates by Age

Your home state makes a big difference in Honda Insight insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,680 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $430 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from multiple companies. Every company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheaper Honda Insight Insurance

Finding cheaper rates on insurance for a Honda Insight not only requires being a low-risk driver, but also having good credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates at least once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the primary concepts that were presented in the illustrations above.

• You may be able to save approximately $150 per year simply by shopping early and online
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,470 more annually to insure their Insight
• Increasing comprehensive and collision deductibles can save around $425 each year
• Teen drivers are the costliest to insure, as much as $406 each month if they have full coverage