Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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U.S. average insurance rates for a Honda Insight are $1,278 a year for full coverage. Comprehensive insurance costs on average $218 each year, collision costs $450, and liability costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing $2,786 or more. Teens pay the highest rates at $4,966 a year or more.

Average premium for full coverage: $1,278

Price estimates by individual coverage:

Comprehensive $218
Collision $450
Liability $452

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Insight models.

Price Range from Low to High

For the average 40-year-old driver, Honda Insight insurance prices go from as low as $504 for minimum levels of liability insurance to a high rate of $2,786 for a high-risk insurance policy.

Liability Only $504
Full Coverage $1,278
High Risk $2,786

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on car insurance rates.

Rural Areas $959
Small Cities $1,342
Large Cities $1,725

The ranges above show why all drivers should compare prices based on a specific location and risk profile, 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 shows estimated Honda Insight insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $737
  • Using higher $1,000 deductibles will save around $152 a year
  • The average rate for the average middle-age driver with $500 deductibles is $1,278
  • Selecting low deductibles for physical damage coverage will cost an extra $296 every year
  • Drivers with serious driving violations could pay upwards of $2,786 or more
  • The price for full coverage for a teen driver may cost $4,966 or more

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing full coverage Honda Insight insurance prices range from $737 to $4,966

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

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

The state you live in has a huge impact on Honda Insight insurance prices. A driver around age 40 might see prices as low as $840 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,820 on average in Michigan, Louisiana, and New York.

Honda Insight Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,154 -$124 -9.7%
Alaska $978 -$300 -23.5%
Arizona $1,058 -$220 -17.2%
Arkansas $1,278 -$0 0.0%
California $1,454 $176 13.8%
Colorado $1,220 -$58 -4.5%
Connecticut $1,314 $36 2.8%
Delaware $1,444 $166 13.0%
Florida $1,598 $320 25.0%
Georgia $1,178 -$100 -7.8%
Hawaii $916 -$362 -28.3%
Idaho $864 -$414 -32.4%
Illinois $950 -$328 -25.7%
Indiana $960 -$318 -24.9%
Iowa $860 -$418 -32.7%
Kansas $1,212 -$66 -5.2%
Kentucky $1,742 $464 36.3%
Louisiana $1,890 $612 47.9%
Maine $788 -$490 -38.3%
Maryland $1,052 -$226 -17.7%
Massachusetts $1,022 -$256 -20.0%
Michigan $2,218 $940 73.6%
Minnesota $1,068 -$210 -16.4%
Mississippi $1,528 $250 19.6%
Missouri $1,132 -$146 -11.4%
Montana $1,370 $92 7.2%
Nebraska $1,008 -$270 -21.1%
Nevada $1,530 $252 19.7%
New Hampshire $920 -$358 -28.0%
New Jersey $1,426 $148 11.6%
New Mexico $1,130 -$148 -11.6%
New York $1,344 $66 5.2%
North Carolina $736 -$542 -42.4%
North Dakota $1,046 -$232 -18.2%
Ohio $882 -$396 -31.0%
Oklahoma $1,312 $34 2.7%
Oregon $1,170 -$108 -8.5%
Pennsylvania $1,218 -$60 -4.7%
Rhode Island $1,704 $426 33.3%
South Carolina $1,156 -$122 -9.5%
South Dakota $1,078 -$200 -15.6%
Tennessee $1,118 -$160 -12.5%
Texas $1,540 $262 20.5%
Utah $944 -$334 -26.1%
Vermont $874 -$404 -31.6%
Virginia $764 -$514 -40.2%
Washington $986 -$292 -22.8%
West Virginia $1,170 -$108 -8.5%
Wisconsin $884 -$394 -30.8%
Wyoming $1,138 -$140 -11.0%

View Chart as Image

Honda Insight insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $450 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 131% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Each insurance company calculates prices differently, and prices may be quite different from one company to the next.

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 $1,240 $103
Honda Insight EX $1,278 $107

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 $248 $524 $416 $1,346
2021 Honda Insight $240 $502 $430 $1,330
2020 Honda Insight $226 $484 $442 $1,310
2019 Honda Insight $218 $450 $452 $1,278
2018 Honda Insight $208 $424 $456 $1,246
2010 Honda Insight $140 $214 $474 $986

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 Find the Best Honda Insight Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at least every other year by quoting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The points below are a brief recap of the car insurance concepts touched on in this article.

  • Higher risk drivers who tend to receive serious violations will pay on average $1,510 more each year to insure a Honda Insight
  • Drivers can save as much as $150 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save around $450 each year
  • Policyholders who require increased liability limits will pay approximately $500 each year to increase from a low limit to 250/500 limits

Rates by Driver Age

Honda Insight Insurance Rates by Driver Age
Driver Age Premium
16 $4,966
20 $2,982
30 $1,318
40 $1,278
50 $1,170
60 $1,148

Full coverage, $500 deductibles

Rates by Deductible

Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,574
$250 $1,436
$500 $1,278
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,278
50/100 $1,368
100/300 $1,481
250/500 $1,775
100 CSL $1,414
300 CSL $1,662
500 CSL $1,843

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Insight Insurance Rates for High Risk Drivers
Age Premium
16 $7,066
20 $4,756
30 $2,832
40 $2,786
50 $2,666
60 $2,642

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 $182

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $92
5-yr Claim Free $83
Paid in Full/EFT $56
Advance Quote $63
Online Quote $90
Total Discounts $541
Rate after discounts $737

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

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