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2004 Honda Insight Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Sep 16, 2017

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Average insurance rates for a 2004 Honda Insight are $938 a year for full coverage. Comprehensive insurance costs an estimated $132 each year, collision costs $188, and liability costs $460. Buying a liability-only policy costs as little as $510 a year, with high-risk insurance costing $2,024 or more. Teen drivers receive the highest rates at $3,860 a year or more.

Annual premium for full coverage: $938

Rate estimates for 2004 Honda Insight Insurance

Comprehensive $132
Collision $188
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2004 Honda Insight models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $510 for a discount liability-only rate to a high rate of $2,024 for a high risk driver.

Liability Only $510
Full Coverage $938
High Risk $2,024

View Chart as Image

2004 Honda Insight insurance rates compared
Column chart showing 2004 Honda Insight insurance prices range from $573 to $3,860 for full coverage

These differences show why all drivers should compare rates for a targeted area and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2004 Honda Insight Insurance

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Finding lower rates for car insurance can be difficult for consumers not familiar with shopping for insurance online. You have so many options available that it can be a ton of work to find lower rates.

This information will let you in on how car insurance quotes work and some tips to save money. If you are paying for car insurance now, you should be able to lower your premiums substantially using this strategy. But drivers need to have an understanding of how companies sell insurance online and use this information to your advantage.

Compare Insurance Coverage Costs

All the larger insurance coverage companies provide prices for coverage online. This process is pretty painless as you simply enter your coverage information into a form. Upon sending the form, the system will order your credit score and driving record and quotes a price based on many factors.

This helps simplify price comparisons, but having to visit several different sites and type in the same information is monotonous and tiresome. Unfortunately, it is important to perform this step if you are searching for the best price on insurance coverage.

The easiest way to lower your rates requires only one form that obtains quotes from several different companies. This type of form saves time, eliminates repetitive work, and makes quoting online much easier. After your information is entered, it gets priced with multiple companies and you can pick any of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process takes just a few minutes to complete and may save quite a bit of money.

To quickly get comparison pricing now, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you input the coverages exactly as they are listed on your policy. This way, you will be getting rate quotes for similar coverage.

Take these eight discounts and save

Car insurance can cost a lot, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Life Insurance Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Insight insurance with certain companies.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Homeowners Savings – Owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Organization Discounts – Participating in a professional or civic organization is a good way to get lower rates on your policy for Insight insurance.
  • Early Switch Discount – Select companies give a discount for switching to them before your current expiration date. It’s a savings of about 10%.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for Insight insurance than drivers with accidents.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

Companies that may have some of the above discounts include:

Check with every prospective company how you can save money. Discounts may not be available in your state.

Which policy gives me the best coverage?

When buying proper insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether or not you may require specific advice.

  • Does insurance cover tools stolen from my truck?
  • Is extra glass coverage worth it?
  • Will my insurance pay for OEM parts?
  • Am I covered by my spouse’s policy after a separation?
  • Am I getting all the discounts available?
  • Do I have coverage when using my vehicle for my home business?
  • Is business property covered if stolen from my car?
  • When should I remove comp and collision on my 2004 Honda Insight?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Coverages available on your insurance policy

Having a good grasp of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for liability

Liability coverage can cover damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical expenses, funeral expenses, structural damage and court costs. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, crashing into a building, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as rock chips in glass, damage from a tornado or hurricane, hitting a deer, hitting a bird and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, dental work, funeral costs, nursing services and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Rates by U.S. City

2004 Honda Insight Insurance Rates by City
City Premium
New York City, NY $1,485
Los Angeles, CA $1,605
Philadelphia, PA $1,252
Jacksonville, FL $1,362
Phoenix, AZ $1,092
Chicago, IL $1,256
Houston, TX $1,472
Seattle, WA $915
Columbus, OH $787
Indianapolis, IN $798

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2004 Honda Insight Insurance Rates by Driver Age
Driver Age Premium
16 $3,860
20 $2,162
30 $950
40 $938
50 $864
60 $846

Full coverage, $500 deductibles

Rates by Deductible

2004 Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,078
$250 $1,014
$500 $938
$1,000 $864

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $938
50/100 $1,030
100/300 $1,145
250/500 $1,444
100 CSL $1,076
300 CSL $1,329
500 CSL $1,513

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Honda Insight Insurance Rates for High Risk Drivers
Age Premium
16 $5,422
20 $3,442
30 $2,038
40 $2,024
50 $1,938
60 $1,920

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 $126

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $51
Homeowner $17
5-yr Accident Free $56
5-yr Claim Free $58
Paid in Full/EFT $33
Advance Quote $41
Online Quote $62
Total Discounts $365
Rate after discounts $573

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

Find companies with the cheapest rates in your area

2004 Honda Insight Insurance Rates by State
State Premium
Alabama $850
Alaska $720
Arizona $780
Arkansas $938
California $1,070
Colorado $898
Connecticut $964
Delaware $1,062
Florida $1,174
Georgia $866
Hawaii $674
Idaho $636
Illinois $698
Indiana $706
Iowa $632
Kansas $892
Kentucky $1,280
Louisiana $1,388
Maine $580
Maryland $774
Massachusetts $752
Michigan $1,630
Minnesota $788
Mississippi $1,122
Missouri $832
Montana $1,008
Nebraska $740
Nevada $1,126
New Hampshire $678
New Jersey $1,050
New Mexico $832
New York $990
North Carolina $540
North Dakota $768
Ohio $650
Oklahoma $964
Oregon $860
Pennsylvania $894
Rhode Island $1,252
South Carolina $850
South Dakota $792
Tennessee $822
Texas $1,132
Utah $694
Vermont $642
Virginia $562
Washington $726
West Virginia $860
Wisconsin $650
Wyoming $838

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