Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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Average insurance rates for a Honda Insight are $1,246 a year for full coverage. Comprehensive insurance costs an estimated $208 each year, collision insurance costs $424, and liability coverage costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs $2,718 or more. Teenage drivers receive the highest rates at up to $4,874 a year.

Average premium for full coverage: $1,246

Rate estimates broken down by individual coverage type:

Comprehensive $208
Collision $424
Liability $456

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Insight models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $508 for your basic liability-only policy to a high rate of $2,718 for a driver required to buy high-risk insurance.

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

Price Range by Location

Your location has a large influence on insurance rates. More rural locations tend to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.

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

These examples show why all drivers should compare rates for a targeted area and risk profile, 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.

More Rate Information

The chart below shows average 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 a year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,246
  • Using low deductibles for comprehensive and collision insurance will cost an extra $280 each year
  • High-risk insureds who are prone to accidents and violations could pay up to $2,718
  • The cost for full coverage for a teenage driver can cost as much as $4,874 a year

View Chart as Image

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

Insurance rates for a Honda Insight can also vary considerably based on your driver profile, the trim level of your Insight, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $4,800 a year. View Rates by Age

Where you live makes a big difference in Honda Insight insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,780 on average in New York, Louisiana, and Michigan.

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

Using high physical damage deductibles could save up to $430 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates

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 More Affordable Honda Insight Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also maintaining good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest time comparing rates at every policy renewal by requesting rates from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The items below are a summary of the data covered in the charts and tables above.

  • Consumers who want more liability coverage will pay an extra $500 each year to go from a minimum limit to 250/500 limits
  • Drivers can save approximately $150 per year just by quoting online in advance
  • Increasing deductibles can save around $425 each year
  • Teen drivers are charged the highest rates, costing as high as $406 per month for full coverage

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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