Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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U.S. average insurance rates for a Honda Insight are $1,246 a year for full coverage insurance. Comprehensive insurance costs approximately $208 each year, collision insurance costs $424, and liability insurance is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs $2,718 or more. Teen drivers pay the highest rates at up to $4,874 a year.

Average premium for full coverage: $1,246

Price estimates by individual coverage:

Comprehensive $208
Collision $424
Liability $456

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Insight models.

Price Range from Low to High

For the average 40-year-old driver, Honda Insight insurance prices range from the low end price of $508 for basic liability insurance to a high rate of $2,718 for a high-risk driver policy.

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

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance prices.

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

The ranges above illustrate why all drivers should get quotes using their specific location, rather than relying on price averages.

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.

Rate Comparisons

The chart below illustrates average Honda Insight insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $721
  • Choosing higher $1,000 deductibles can save $144 each year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,246
  • Choosing low deductibles for comp and collision coverage will cost an additional $280 a year
  • High-risk insureds with multiple violations and an at-fault accident could pay around $2,718
  • The price that insures a teen driver can cost $4,874 each 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 prices for a Honda Insight are also quite variable based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 134% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

The state you live in 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 North Carolina, Wisconsin, and Vermont, or as much as $1,680 on average in Florida, New York, 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

Choosing high deductibles can save as much as $430 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each 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

Getting lower rates on Honda Insight insurance takes being a low-risk driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Shop around every time your policy renews by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a condensed summary of the information touched on in this article.

  • It is possible to save around $150 per year just by quoting online in advance
  • Teen drivers are the costliest to insure, as much as $406 a month if comprehensive and collision insurance is included
  • Increasing physical damage deductibles can save approximately $425 each year
  • High-risk drivers with multiple at-fault accidents could be charged and average of $1,470 more per year to insure their Insight
  • Drivers who purchase more liability coverage will pay about $500 annually to raise limits from a low limit to the 250/500 level

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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