Honda Insight Insurance Rates
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UPDATED: Jun 2, 2023
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The average auto insurance rates for a Honda Insight are $878 annually with full coverage. Comprehensive insurance costs approximately $116 a year, collision costs $162, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $1,890 or more. Teens cost the most to insure at $3,650 a year or more.
Average premium for full coverage: $878
Policy rates by type of insurance:
Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Insight trim levels.
Price Range Variability
For the average 40-year-old driver, Honda Insight insurance rates go from as cheap as $496 for minimum levels of liability insurance to a high of $1,890 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on auto insurance prices.
The examples above demonstrate why it is important to compare prices using their specific location and their own personal driving habits, instead of using averaged prices.
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.
Additional Rate Details
The chart below details estimated Honda Insight insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $541
- Using higher $1,000 deductibles will save $814 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $878
- Selecting low $100 deductibles for physical damage coverage costs an additional $118 every year
- Drivers with serious driving violations could pay around $1,890 or more
- Policy cost with full coverage for a teen driver can cost $3,650 or more
Insurance rates for a Honda Insight also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, 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 a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,000 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 41% to 126% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $190 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Honda Insight insurance prices. A driver around age 40 might see rates as low as $640 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $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% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, so the rates will be varied 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 Right Honda Insight Insurance
Finding cheaper rates on car insurance requires being a good driver, having a good credit history, not filing small claims, and maximizing policy discounts. Make time to compare rates at every policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a quick rundown of the data touched on in this article.
- Policyholders who purchase an increased level of liability coverage will pay approximately $490 every year to increase from a 30/60 limit to higher 250/500 limits
- You may be able to save around $100 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $175 each year
- Drivers age 16 to 20 are expensive to insure, as much as $304 each month including comprehensive and collision insurance
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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