Honda Insight Insurance Rates

Estimated insurance rates for a Honda Insight are $1,246 a year including full coverage. Comprehensive insurance costs around $208 a year, collision insurance costs $424, and liability coverage costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs $2,718 or more. Teen drivers pay the most at up to $4,874 a year.

Average premium for full coverage: $1,246

Premium estimates for type of coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. 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. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance rates.

These rate differences highlight why it is important to compare prices for a specific zip code, rather than using price averages.

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

Detailed Rate Analysis

The chart below breaks down average Honda Insight insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $721
• Using higher $1,000 deductibles will save about $1,102 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,246
• Choosing low $100 deductibles for physical damage coverage will cost an additional $280 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,718
• An auto insurance policy that insures a teenage driver can be $4,874 or more

View Chart as Image

Auto insurance prices for a Honda Insight also have a wide range based on the trim level of your Insight, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,800 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 $960 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,780 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut prices by as much as $430 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

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 Affordable Honda Insight Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, maintaining a good credit score, refrain from filing small claims, and possibly raising deductibles. Shop around every time your policy renews by requesting rates from direct car insurance companies, and also from local insurance agencies.

The points below are a brief review of the information covered in the charts and tables above.

• You may be able to save up to $150 per year just by quoting early and online
• Drivers under the age of 20 are expensive to insure, with the cost nearing $406 per month if the policy includes full coverage
• Increasing policy deductibles can save approximately $425 each year
• Drivers with DUI or reckless driving convictions may have to pay on average $1,470 more every year to insure a Honda Insight
• Consumers who may need increased liability limits will pay about $500 per year to increase from 30/60 bodily injury limits to the 250/500 level