Honda Insight Insurance Rates

The average insurance prices for a Honda Insight are $1,246 every 12 months with full coverage. Comprehensive insurance costs an estimated $208 a year, collision costs $424, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing $2,718 or more. Teenage drivers cost the most to insure at $4,874 a year or more.

Average premium for full coverage: $1,246

Policy rates broken down by type of insurance:

Prices include $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Insight trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below details estimated Honda Insight insurance rates for other coverage scenarios.

• The best discount rate is $721
• Choosing higher $1,000 deductibles can save approximately $1,102 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,246
• Using low $100 deductibles for comp and collision coverage costs an extra $280 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,718 or more
• Policy cost to insure a 16-year-old driver can cost as much as $4,874 each year

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Insurance rates for a Honda Insight also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Using high physical damage deductibles can save as much as $430 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 134% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda Insight insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,680 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, and rates will be varied.

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 Shop for the Right Honda Insight Insurance

Finding cheaper rates on insurance for a Honda Insight takes having a good driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates once a year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The next list is a quick rundown of the data that was covered above.

• You may be able to save approximately $150 per year simply by quoting early and online
• Insureds who want increased levels of liability coverage will pay an extra $500 every year to raise limits from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, as much as $406 each month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,470 more annually to buy Honda Insight insurance