Honda Insight Insurance Rates

Estimated insurance rates for a Honda Insight are $1,278 a year for full coverage insurance. Comprehensive costs an estimated $218 a year, collision insurance costs $450, and liability coverage costs around $452. Liability-only insurance costs as low as $504 a year, and high-risk driver insurance costs around $2,786. Teens pay the most at up to $4,966 a year.

Average premium for full coverage: $1,278

Premium estimates broken down by type of coverage:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Insight trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates how where you live affects insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area and risk profile, rather than using averaged prices.

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

Additional Rate Information

The chart below illustrates average Honda Insight insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $737
• Using higher $1,000 deductibles will save approximately $1,126 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,278
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,574
• Higher-risk drivers with serious driving violations could pay up to $2,786
• An auto insurance policy for full coverage for a teenage driver can cost as much as $4,966 or more

View Chart as Image

Insurance prices for a Honda Insight also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Honda Insight insurance rates. A driver around age 40 might see prices as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,720 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $450 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can be around 42% to 131% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheap Honda Insight Insurance

Finding better rates on auto insurance requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $414 per month including comprehensive and collision insurance
• Drivers that tend to have accidents or serious violations pay on average $1,510 more annually than a driver with a clean driving record
• Increasing policy deductibles can save around $450 each year
• It is possible to save approximately $150 per year just by quoting early and online