Honda Insight Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Jun 3, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average auto insurance rates for a Honda Insight are $1,278 annually with full coverage. Comprehensive insurance costs on average $218, collision costs $450, and liability coverage costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing $2,786 or more. Teenage drivers pay the highest rates at $4,966 a year or more.

Average premium for full coverage: $1,278

Price estimates by individual coverage:

Comprehensive $218
Collision $450
Liability $452

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Insight trim levels.

Price Range from Low to High

For the normal driver, Honda Insight insurance prices go from as cheap as $504 for a discount liability-only rate to a much higher rate of $2,786 for coverage for higher-risk drivers.

Liability Only $504
Full Coverage $1,278
High Risk $2,786

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have fewer collision claims than densely populated cities.

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

Rural Areas $959
Small Cities $1,342
Large Cities $1,725

The ranges above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than using average rates.

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.

Rates by State, City, and Model

The chart below details estimated Honda Insight insurance rates for different risk profiles and scenarios.

  • The best discount rate is $737
  • Using higher $1,000 deductibles will save around $152 annually
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,278
  • Using more expensive low deductibles for physical damage coverage costs an additional $296 each year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,786 or more
  • The price with full coverage for a teenage driver with full coverage may cost $4,966 or more

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing full coverage Honda Insight insurance prices range from $737 to $4,966

Insurance prices for a Honda Insight are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance can be around 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $450 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Honda Insight insurance rates. A driver around age 40 might see prices as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,720 on average in Florida, Michigan, and New York.

Honda Insight Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,154 -$124 -9.7%
Alaska $978 -$300 -23.5%
Arizona $1,058 -$220 -17.2%
Arkansas $1,278 -$0 0.0%
California $1,454 $176 13.8%
Colorado $1,220 -$58 -4.5%
Connecticut $1,314 $36 2.8%
Delaware $1,444 $166 13.0%
Florida $1,598 $320 25.0%
Georgia $1,178 -$100 -7.8%
Hawaii $916 -$362 -28.3%
Idaho $864 -$414 -32.4%
Illinois $950 -$328 -25.7%
Indiana $960 -$318 -24.9%
Iowa $860 -$418 -32.7%
Kansas $1,212 -$66 -5.2%
Kentucky $1,742 $464 36.3%
Louisiana $1,890 $612 47.9%
Maine $788 -$490 -38.3%
Maryland $1,052 -$226 -17.7%
Massachusetts $1,022 -$256 -20.0%
Michigan $2,218 $940 73.6%
Minnesota $1,068 -$210 -16.4%
Mississippi $1,528 $250 19.6%
Missouri $1,132 -$146 -11.4%
Montana $1,370 $92 7.2%
Nebraska $1,008 -$270 -21.1%
Nevada $1,530 $252 19.7%
New Hampshire $920 -$358 -28.0%
New Jersey $1,426 $148 11.6%
New Mexico $1,130 -$148 -11.6%
New York $1,344 $66 5.2%
North Carolina $736 -$542 -42.4%
North Dakota $1,046 -$232 -18.2%
Ohio $882 -$396 -31.0%
Oklahoma $1,312 $34 2.7%
Oregon $1,170 -$108 -8.5%
Pennsylvania $1,218 -$60 -4.7%
Rhode Island $1,704 $426 33.3%
South Carolina $1,156 -$122 -9.5%
South Dakota $1,078 -$200 -15.6%
Tennessee $1,118 -$160 -12.5%
Texas $1,540 $262 20.5%
Utah $944 -$334 -26.1%
Vermont $874 -$404 -31.6%
Virginia $764 -$514 -40.2%
Washington $986 -$292 -22.8%
West Virginia $1,170 -$108 -8.5%
Wisconsin $884 -$394 -30.8%
Wyoming $1,138 -$140 -11.0%

View Chart as Image

Honda Insight insurance rates by U.S. city

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and prices may be quite different between companies.

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 $1,240 $103
Honda Insight EX $1,278 $107

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 $248 $524 $416 $1,346
2021 Honda Insight $240 $502 $430 $1,330
2020 Honda Insight $226 $484 $442 $1,310
2019 Honda Insight $218 $450 $452 $1,278
2018 Honda Insight $208 $424 $456 $1,246
2010 Honda Insight $140 $214 $474 $986

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 Buy Low Cost Honda Insight Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a review of the primary concepts that were presented in the illustrations above.

  • You may be able to save as much as $150 per year simply by shopping early and online
  • Drivers who have several accidents or serious violations pay an average of $1,510 more each year to insure a Honda Insight
  • Increasing physical damage deductibles could save up to $450 each year
  • Drivers under the age of 20 pay higher prices, costing up to $414 a month if they have full coverage

Rates by Driver Age

Honda Insight Insurance Rates by Driver Age
Driver Age Premium
16 $4,966
20 $2,982
30 $1,318
40 $1,278
50 $1,170
60 $1,148

Full coverage, $500 deductibles

Rates by Deductible

Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,574
$250 $1,436
$500 $1,278
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,278
50/100 $1,368
100/300 $1,481
250/500 $1,775
100 CSL $1,414
300 CSL $1,662
500 CSL $1,843

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Insight Insurance Rates for High Risk Drivers
Age Premium
16 $7,066
20 $4,756
30 $2,832
40 $2,786
50 $2,666
60 $2,642

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 $182

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $92
5-yr Claim Free $83
Paid in Full/EFT $56
Advance Quote $63
Online Quote $90
Total Discounts $541
Rate after discounts $737

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles