Honda Insight Insurance Rates
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UPDATED: Jun 2, 2023
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U.S. average auto insurance rates for a Honda Insight are $878 annually with full coverage. Comprehensive costs approximately $116, collision costs $162, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing around $1,890. Teen drivers pay the highest rates at $3,650 a year or more.
Average premium for full coverage: $878
Price estimates by individual coverage:
Includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Insight trim levels.
Price Range from Low to High
For the normal driver, Honda Insight insurance prices go from as cheap as $496 for just liability coverage to a much higher rate of $1,890 for high-risk insurance.
Geographic Price Range
Your location can make a big difference on the price of insurance. Rural locations have fewer collision claims than larger metro areas.
The price range example below illustrates how geographic area affects auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of making a decision based on price 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.
Detailed Rate Analysis
The chart below details estimated Honda Insight insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $541
- Drivers who choose higher $1,000 deductibles will pay $64 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $878
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost $996
- Drivers with multiple violations and an at-fault accident could pay around $1,890 or more
- The price with full coverage for a 16-year-old driver with full coverage can cost $3,650 a year
Insurance prices for a Honda Insight are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high physical damage deductibles may pay as low as $800 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $3,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,000 to $1,500 extra each year, depending on your age. High-risk driver insurance can cost from 41% to 126% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $190 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Honda Insight insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,190 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $794 | -$84 | -9.6% |
| Alaska | $674 | -$204 | -23.2% |
| Arizona | $730 | -$148 | -16.9% |
| Arkansas | $878 | -$0 | 0.0% |
| California | $1,000 | $122 | 13.9% |
| Colorado | $838 | -$40 | -4.6% |
| Connecticut | $902 | $24 | 2.7% |
| Delaware | $992 | $114 | 13.0% |
| Florida | $1,098 | $220 | 25.1% |
| Georgia | $810 | -$68 | -7.7% |
| Hawaii | $630 | -$248 | -28.2% |
| Idaho | $594 | -$284 | -32.3% |
| Illinois | $654 | -$224 | -25.5% |
| Indiana | $660 | -$218 | -24.8% |
| Iowa | $592 | -$286 | -32.6% |
| Kansas | $836 | -$42 | -4.8% |
| Kentucky | $1,198 | $320 | 36.4% |
| Louisiana | $1,300 | $422 | 48.1% |
| Maine | $542 | -$336 | -38.3% |
| Maryland | $726 | -$152 | -17.3% |
| Massachusetts | $704 | -$174 | -19.8% |
| Michigan | $1,524 | $646 | 73.6% |
| Minnesota | $734 | -$144 | -16.4% |
| Mississippi | $1,052 | $174 | 19.8% |
| Missouri | $778 | -$100 | -11.4% |
| Montana | $944 | $66 | 7.5% |
| Nebraska | $692 | -$186 | -21.2% |
| Nevada | $1,052 | $174 | 19.8% |
| New Hampshire | $632 | -$246 | -28.0% |
| New Jersey | $980 | $102 | 11.6% |
| New Mexico | $776 | -$102 | -11.6% |
| New York | $926 | $48 | 5.5% |
| North Carolina | $504 | -$374 | -42.6% |
| North Dakota | $718 | -$160 | -18.2% |
| Ohio | $608 | -$270 | -30.8% |
| Oklahoma | $902 | $24 | 2.7% |
| Oregon | $804 | -$74 | -8.4% |
| Pennsylvania | $838 | -$40 | -4.6% |
| Rhode Island | $1,172 | $294 | 33.5% |
| South Carolina | $794 | -$84 | -9.6% |
| South Dakota | $742 | -$136 | -15.5% |
| Tennessee | $770 | -$108 | -12.3% |
| Texas | $1,056 | $178 | 20.3% |
| Utah | $652 | -$226 | -25.7% |
| Vermont | $600 | -$278 | -31.7% |
| Virginia | $526 | -$352 | -40.1% |
| Washington | $678 | -$200 | -22.8% |
| West Virginia | $804 | -$74 | -8.4% |
| Wisconsin | $608 | -$270 | -30.8% |
| Wyoming | $782 | -$96 | -10.9% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Every company uses a different rate calculation, so the prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Insight LX | $862 | $72 |
| Honda Insight EX | $878 | $73 |
Rates assume 2001 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Honda Insight | $148 | $236 | $474 | $1,016 |
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 Buy the Cheapest Honda Insight Insurance
Getting lower rates on insurance for a Honda Insight not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The points below are a recap of the material that was presented in the illustrations above.
- Insureds who purchase increased liability limits will pay about $490 every year to go from a low limit to higher 250/500 limits
- Drivers under the age of 20 are expensive to insure, costing up to $304 a month including comprehensive and collision insurance
- Drivers considered higher risk that have major violations or accidents may pay on average $1,010 more per year to insure a Honda Insight
- Increasing physical damage deductibles could save up to $175 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,650 |
| 20 | $2,022 |
| 30 | $886 |
| 40 | $878 |
| 50 | $808 |
| 60 | $792 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $996 |
| $250 | $942 |
| $500 | $878 |
| $1,000 | $814 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $878 |
| 50/100 | $966 |
| 100/300 | $1,077 |
| 250/500 | $1,364 |
| 100 CSL | $1,011 |
| 300 CSL | $1,254 |
| 500 CSL | $1,431 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,114 |
| 20 | $3,220 |
| 30 | $1,898 |
| 40 | $1,890 |
| 50 | $1,810 |
| 60 | $1,792 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $43 |
| Multi-vehicle | $48 |
| Homeowner | $16 |
| 5-yr Accident Free | $51 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $30 |
| Advance Quote | $37 |
| Online Quote | $58 |
| Total Discounts | $337 |
Discounts are estimated and may not be available from every company or in every state.
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