Honda Insight Insurance Rates

U.S. average insurance rates for a Honda Insight are $1,246 a year for full coverage. Comprehensive costs around $208 a year, collision costs $424, and liability costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing around $2,718. Teenage drivers pay the highest rates at $4,874 a year or more.

Average premium for full coverage: $1,246

Price estimates for individual coverage:

Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Insight trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population have lower incidents of accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

The ranges above show why it is important to compare rates for a specific zip code, instead of using average rates.

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

More Rate Details

The chart below shows estimated Honda Insight insurance rates for additional coverage choices and driver risks.

• The best discount rate is $721
• Drivers who choose higher $1,000 deductibles will pay about $1,102 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,246
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,526
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,718 or more
• The price that insures a teen driver can be $4,874 a year

View Chart as Image

Insurance prices for a Honda Insight are also quite variable based on the trim level of your Insight, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,800 a year. View Rates by Age

The state you live in makes a big difference in Honda Insight insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,780 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $430 every year, while buying higher liability limits will increase prices. Going 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

Since prices can be so different, the only way to know your exact price is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, and prices may be quite different.

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 More Affordable Honda Insight Insurance

Getting lower rates on car insurance not only requires being a low-risk driver, but also having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Compare prices every time your policy renews by quoting rates from direct carriers, and also from several local insurance agents.

The items below are a summary of the information covered in the above illustrations.

• Drivers can save up to $150 per year simply by quoting early and online
• Teen drivers are charged the highest prices, with premiums as much as $406 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $425 each year
• Higher risk drivers who have multiple accidents or major violations pay on average $1,470 more every year to insure their Insight
• Policyholders who may need more liability coverage will pay an extra $500 each year to go from a low limit to the 250/500 level