Honda Insight Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 3, 2024
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Estimated auto insurance rates for a Honda Insight are $1,278 annually for full coverage. Comprehensive insurance costs around $218 each year, collision insurance costs $450, and liability costs $452. A policy with only liability insurance costs as little as $504 a year, and a high-risk policy costs $2,786 or more. Teenage drivers pay the most at up to $4,966 a year.
Average premium for full coverage: $1,278
Premium estimates for type of coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and Insight models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Honda Insight range from as cheap as $504 for a discount liability-only rate to a high rate of $2,786 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance rates.
These rate differences show why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on 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 shows average Honda Insight insurance rates for additional coverage choices and driver risks.
- The best discount rate is $737
- Drivers who choose higher $1,000 deductibles will pay about $152 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,278
- Using low deductibles for comprehensive and collision insurance costs an additional $296 annually
- Drivers who are prone to accidents and violations could pay at least $2,786
- An auto insurance policy with full coverage for a 16-year-old driver can be $4,966 a year
Car insurance prices for a Honda Insight also have a wide range based on the model of your Insight, your driver profile, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can cost from 42% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $450 annually, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Honda Insight insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,820 on average in Michigan, Louisiana, and New York.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Affordable Honda Insight Insurance
Finding better rates on insurance for a Honda Insight not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Make time to compare rates at every policy renewal by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.
The list below is a brief review of the data touched on in this article.
- Insureds who may need higher liability limits will pay an extra $500 each year to go from 30/60 bodily injury limits to higher 250/500 limits
- Drivers can save up to $150 per year just by quoting online in advance
- Increasing policy deductibles could save up to $450 each year
- Teenagers are the costliest to insure, as much as $414 per month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,574 |
| $250 | $1,436 |
| $500 | $1,278 |
| $1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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