Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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The average insurance rates for a Honda Insight are $1,246 a year for full coverage insurance. Comprehensive costs on average $208, collision insurance costs $424, and liability coverage is estimated at $456. Liability-only insurance costs approximately $508 a year, and high-risk driver insurance costs around $2,718. Teens cost the most to insure at up to $4,874 a year.

Average premium for full coverage: $1,246

Policy rates by type of insurance:

Comprehensive $208
Collision $424
Liability $456

Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Insight trim levels.

Price Range Variability

For the average 40-year-old driver, Honda Insight insurance rates range from the low end price of $508 for minimum levels of liability insurance to a much higher rate of $2,718 for a driver that may need high-risk insurance.

Liability Only $508
Full Coverage $1,246
High Risk $2,718

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on car insurance rates.

Rural Areas $935
Small Cities $1,308
Large Cities $1,682

The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location, rather than using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

The chart below illustrates average Honda Insight insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $721
  • Choosing higher $1,000 deductibles can save around $144 each year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,246
  • Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $1,526
  • Drivers with serious driving violations could pay upwards of $2,718
  • Policy cost that insures a teenage driver with full coverage may cost $4,874 each year

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing Honda Insight insurance rates range from $721 to $4,874 for full coverage

Auto insurance rates for a Honda Insight also range considerably based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance ranges around 43% to 134% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda Insight insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,680 on average in Michigan, New York, and Florida.

Honda Insight Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,126 -$120 -9.6%
Alaska $956 -$290 -23.3%
Arizona $1,036 -$210 -16.9%
Arkansas $1,246 -$0 0.0%
California $1,420 $174 14.0%
Colorado $1,192 -$54 -4.3%
Connecticut $1,280 $34 2.7%
Delaware $1,410 $164 13.2%
Florida $1,558 $312 25.0%
Georgia $1,148 -$98 -7.9%
Hawaii $896 -$350 -28.1%
Idaho $842 -$404 -32.4%
Illinois $930 -$316 -25.4%
Indiana $940 -$306 -24.6%
Iowa $840 -$406 -32.6%
Kansas $1,184 -$62 -5.0%
Kentucky $1,700 $454 36.4%
Louisiana $1,844 $598 48.0%
Maine $770 -$476 -38.2%
Maryland $1,028 -$218 -17.5%
Massachusetts $996 -$250 -20.1%
Michigan $2,166 $920 73.8%
Minnesota $1,042 -$204 -16.4%
Mississippi $1,492 $246 19.7%
Missouri $1,106 -$140 -11.2%
Montana $1,338 $92 7.4%
Nebraska $982 -$264 -21.2%
Nevada $1,494 $248 19.9%
New Hampshire $898 -$348 -27.9%
New Jersey $1,392 $146 11.7%
New Mexico $1,102 -$144 -11.6%
New York $1,314 $68 5.5%
North Carolina $718 -$528 -42.4%
North Dakota $1,018 -$228 -18.3%
Ohio $860 -$386 -31.0%
Oklahoma $1,280 $34 2.7%
Oregon $1,142 -$104 -8.3%
Pennsylvania $1,190 -$56 -4.5%
Rhode Island $1,662 $416 33.4%
South Carolina $1,130 -$116 -9.3%
South Dakota $1,052 -$194 -15.6%
Tennessee $1,090 -$156 -12.5%
Texas $1,502 $256 20.5%
Utah $924 -$322 -25.8%
Vermont $854 -$392 -31.5%
Virginia $748 -$498 -40.0%
Washington $964 -$282 -22.6%
West Virginia $1,142 -$104 -8.3%
Wisconsin $862 -$384 -30.8%
Wyoming $1,110 -$136 -10.9%

View Chart as Image

Honda Insight insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Honda Insight Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Insight LX $1,212 $101
Honda Insight EX $1,246 $104

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.

Honda Insight Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2022 Honda Insight $240 $502 $430 $1,330
2021 Honda Insight $226 $484 $442 $1,310
2020 Honda Insight $218 $450 $452 $1,278
2019 Honda Insight $208 $424 $456 $1,246
2018 Honda Insight $200 $380 $460 $1,198
2010 Honda Insight $134 $192 $468 $952

Rates are averaged for all Honda Insight models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Honda Insight Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, maintaining a good credit score, being claim-free, and deciding if full coverage is necessary. Compare rates once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below is a condensed summary of the data that was touched on in this article.

  • It is possible to save as much as $150 per year just by shopping early and online
  • Consumers who require higher levels of liability will pay approximately $500 annually to raise limits from a 30/60 limit to the 250/500 level
  • Teenage drivers are charged the highest rates, possibly costing $406 each month if the policy includes full coverage
  • Drivers with multiple at-fault accidents may pay on average $1,470 more each year for auto insurance

Rates by Driver Age

Honda Insight Insurance Rates by Driver Age
Driver Age Premium
16 $4,874
20 $2,908
30 $1,286
40 $1,246
50 $1,142
60 $1,122

Full coverage, $500 deductibles

Rates by Deductible

Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,526
$250 $1,394
$500 $1,246
$1,000 $1,102

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,246
50/100 $1,337
100/300 $1,451
250/500 $1,748
100 CSL $1,383
300 CSL $1,634
500 CSL $1,816

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Insight Insurance Rates for High Risk Drivers
Age Premium
16 $6,924
20 $4,642
30 $2,760
40 $2,718
50 $2,600
60 $2,578

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $177

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $89
5-yr Claim Free $81
Paid in Full/EFT $54
Advance Quote $61
Online Quote $87
Total Discounts $525
Rate after discounts $721

Discounts are estimated and may not be available from every company or in every state.

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