Honda Insight Insurance Rates

The average insurance prices for a Honda Insight are $1,246 every 12 months for full coverage. Comprehensive costs around $208 a year, collision costs $424, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing around $2,718. Teenage drivers cost the most to insure at $4,874 a year or more.

Average premium for full coverage: $1,246

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Insight trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance rates.

The examples above show why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $721
• Choosing higher $1,000 deductibles can save about $1,102 a year
• The average price for a good driver age 40 using $500 deductibles is $1,246
• Using low $100 deductibles for comp and collision coverage increases the price to $1,526
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,718 or more
• Policy cost to insure a 16-year-old driver can be $4,874 each year

View Chart as Image

Insurance rates for a Honda Insight also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Using high physical damage deductibles can save as much as $430 annually, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 134% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda Insight insurance prices. A good driver about age 40 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

Because rates have so much variability, the only way to know your exact price is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, and rates will be varied.

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 Shop for the Best Honda Insight Insurance

Finding cheaper rates on insurance for a Honda Insight takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by quoting rates from direct carriers, and also from local exclusive and independent agents.

Below you'll find a brief recap of the information presented in the illustrations above.

• Drivers can save up to $150 per year simply by quoting early and online
• Youthful drivers are charged the highest rates, costing up to $406 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,470 more every year than a low-risk driver
• Insureds who may need more liability protection will pay an extra $500 each year to raise limits from a 30/60 limit to a 250/500 level