2003 Honda Insight Insurance Rates
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UPDATED: Oct 11, 2017
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Average insurance rates for a 2003 Honda Insight are $918 a year for full coverage. Comprehensive insurance costs on average $130 each year, collision costs $178, and liability coverage costs $452. Buying a liability-only policy costs as little as $504 a year, with high-risk insurance costing $1,980 or more. Teen drivers receive the highest rates at $3,780 a year or more.
Annual premium for full coverage: $918
Rate estimates for 2003 Honda Insight Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2003 Honda Insight models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $504 for just liability insurance to a high rate of $1,980 for a high risk driver.
These differences show why all drivers should compare rates based on a specific location and risk profile, rather than using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2003 Honda Insight Insurance
Searching for lower insurance rates for your Honda Insight? Locating low-cost insurance for a Honda Insight can normally be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to compare insurance rates so you’re going to learn the best way to compare rates for a Honda and get the best price possible.
Where Can I Get Cheap Insurance?
Getting better 2003 Honda Insight insurance pricing doesn’t have to be difficult. The only thing you need to do is take a couple of minutes to compare quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.
- The easiest and least time consuming way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This type of form keeps you from doing separate quotes for each company you want a rate for. Completing one form gets rate comparisons from several companies. It’s the fastest way to compare.
- A harder way to compare rate quotes requires visiting each company website to complete a price quote. For sake of this example, we’ll assume you want to compare rates from Progressive, Farmers and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
- The hardest method to get comparison rates is driving around to different agent offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the trained guidance of a licensed agent. It is possible to price shop online and get advice from an agent in your area and you’ll learn how to do that later.
Whichever method you choose, make darn sure you compare exactly the same coverages for each price quote. If your comparisons have mixed coverages it will be impossible to make a fair comparison for your Honda Insight.
Do I just need basic coverages?
When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.
These are some specific questions may help highlight if you could use an agent’s help.
- Why does it cost so much to insure a teen driver?
- When can my company non-renew my policy?
- Do I need rental car coverage?
- Is my Honda Insight covered if I use it for business?
- Am I covered if hit by an uninsured driver?
- Is a fancy paint job covered?
- Do I have coverage for damage caused while driving under the influence?
- Why am I be forced to buy a membership to get insurance from some companies?
- Is business property covered if stolen from my car?
- Do I need added coverage for expensive stereo equipment?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.
Car insurance coverages and their meanings
Understanding the coverages of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
Coverage for collisions
Collision coverage covers damage to your Insight resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers claims like colliding with another moving vehicle, hitting a mailbox, backing into a parked car, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.
This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as hitting a bird, a broken windshield and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Medical expense coverage
Med pay and PIP coverage kick in for short-term medical expenses such as pain medications, prosthetic devices, ambulance fees and surgery. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible
Uninsured or underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Honda Insight.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Liability car insurance
This coverage can cover injuries or damage you cause to other people or property that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.
Liability coverage protects against claims such as pain and suffering, attorney fees and funeral expenses. How much liability coverage do you need? That is your choice, but buy as much as you can afford.
Rates by U.S. City
|New York City, NY||$1,452|
|Los Angeles, CA||$1,569|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$54|
|5-yr Claim Free||$57|
|Paid in Full/EFT||$32|
Discounts are estimated and may not be available from every company or in every state.