Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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U.S. average insurance prices for a Honda Insight are $1,246 every 12 months including full coverage. Comprehensive insurance costs an estimated $208, collision costs $424, and liability is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing $2,718 or more. 16-year-old drivers pay the highest rates at $4,874 a year or more.

Average premium for full coverage: $1,246

Price estimates broken down by individual coverage:

Comprehensive $208
Collision $424
Liability $456

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Insight models.

Price Range from Low to High

Using a 40-year-old driver as an example, Honda Insight insurance prices go from the cheapest price of $508 for your basic liability-only policy to the much higher price of $2,718 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,246
High Risk $2,718

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than congested cities.

The example below illustrates how rural and urban location affects insurance prices.

Rural Areas $935
Small Cities $1,308
Large Cities $1,682

The ranges above highlight why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on rate averages.

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.

More Rate Information

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

  • The best full coverage rate is $721
  • Choosing higher $1,000 deductibles can save approximately $144 every year
  • The average price for the average middle-age driver who has $500 deductibles is $1,246
  • Buying pricier low deductibles for comp and collision coverage costs an extra $280 annually
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,718 or more
  • The price to insure a 16-year-old driver for full coverage can cost as much as $4,874 each year

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing full coverage Honda Insight insurance prices range from $721 to $4,874

Insurance prices for a Honda Insight are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $430 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,500 to $2,100 additional each year, depending on your age. Honda Insight insurance for high-risk drivers ranges from 43% to 134% more than the average rate. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Honda Insight insurance prices. A good driver about age 40 could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,780 on average in Louisiana, New York, and Michigan.

Honda Insight Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,126 -$120 -9.6%
Alaska $956 -$290 -23.3%
Arizona $1,036 -$210 -16.9%
Arkansas $1,246 -$0 0.0%
California $1,420 $174 14.0%
Colorado $1,192 -$54 -4.3%
Connecticut $1,280 $34 2.7%
Delaware $1,410 $164 13.2%
Florida $1,558 $312 25.0%
Georgia $1,148 -$98 -7.9%
Hawaii $896 -$350 -28.1%
Idaho $842 -$404 -32.4%
Illinois $930 -$316 -25.4%
Indiana $940 -$306 -24.6%
Iowa $840 -$406 -32.6%
Kansas $1,184 -$62 -5.0%
Kentucky $1,700 $454 36.4%
Louisiana $1,844 $598 48.0%
Maine $770 -$476 -38.2%
Maryland $1,028 -$218 -17.5%
Massachusetts $996 -$250 -20.1%
Michigan $2,166 $920 73.8%
Minnesota $1,042 -$204 -16.4%
Mississippi $1,492 $246 19.7%
Missouri $1,106 -$140 -11.2%
Montana $1,338 $92 7.4%
Nebraska $982 -$264 -21.2%
Nevada $1,494 $248 19.9%
New Hampshire $898 -$348 -27.9%
New Jersey $1,392 $146 11.7%
New Mexico $1,102 -$144 -11.6%
New York $1,314 $68 5.5%
North Carolina $718 -$528 -42.4%
North Dakota $1,018 -$228 -18.3%
Ohio $860 -$386 -31.0%
Oklahoma $1,280 $34 2.7%
Oregon $1,142 -$104 -8.3%
Pennsylvania $1,190 -$56 -4.5%
Rhode Island $1,662 $416 33.4%
South Carolina $1,130 -$116 -9.3%
South Dakota $1,052 -$194 -15.6%
Tennessee $1,090 -$156 -12.5%
Texas $1,502 $256 20.5%
Utah $924 -$322 -25.8%
Vermont $854 -$392 -31.5%
Virginia $748 -$498 -40.0%
Washington $964 -$282 -22.6%
West Virginia $1,142 -$104 -8.3%
Wisconsin $862 -$384 -30.8%
Wyoming $1,110 -$136 -10.9%

View Chart as Image

Honda Insight insurance rates by U.S. city

Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and prices may be quite different.

Insurance Rates by Trim Level and Model Year

Honda Insight Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Insight LX $1,212 $101
Honda Insight EX $1,246 $104

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.

Honda Insight Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2022 Honda Insight $240 $502 $430 $1,330
2021 Honda Insight $226 $484 $442 $1,310
2020 Honda Insight $218 $450 $452 $1,278
2019 Honda Insight $208 $424 $456 $1,246
2018 Honda Insight $200 $380 $460 $1,198
2010 Honda Insight $134 $192 $468 $952

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 Shop for Low Cost Honda Insight Insurance

Getting lower rates on insurance for a Honda Insight takes being a low-risk driver, having above-average credit, being claim-free, and maximizing policy discounts. Set aside time to shop around every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a review of the ideas that were raised in the charts and tables above.

  • Teen drivers are expensive to insure, possibly costing $406 a month if full coverage is included
  • Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,470 more annually to insure their Insight
  • Increasing physical damage deductibles could save as much as $425 each year
  • You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Honda Insight Insurance Rates by Driver Age
Driver Age Premium
16 $4,874
20 $2,908
30 $1,286
40 $1,246
50 $1,142
60 $1,122

Full coverage, $500 deductibles

Rates by Deductible

Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,526
$250 $1,394
$500 $1,246
$1,000 $1,102

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,246
50/100 $1,337
100/300 $1,451
250/500 $1,748
100 CSL $1,383
300 CSL $1,634
500 CSL $1,816

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Insight Insurance Rates for High Risk Drivers
Age Premium
16 $6,924
20 $4,642
30 $2,760
40 $2,718
50 $2,600
60 $2,578

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.

SR-22 Surcharge $177

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $89
5-yr Claim Free $81
Paid in Full/EFT $54
Advance Quote $61
Online Quote $87
Total Discounts $525
Rate after discounts $721

Discounts are estimated and may not be available from every company or in every state.

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