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2014 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: Nov 24, 2017

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Average insurance rates for a 2014 Honda Insight are $1,246 a year for full coverage insurance. Comprehensive insurance costs approximately $208, collision insurance costs $424, and liability coverage costs $456. Buying a liability-only policy costs as little as $508 a year, and high-risk insurance costs $2,718 or more. Teen drivers receive the highest rates at up to $4,874 a year.

Annual premium for full coverage: $1,246

Rate estimates for 2014 Honda Insight Insurance

Comprehensive $208
Collision $424
Liability $456

Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 40-year-old driver, prices range range from as low as $508 for a discount liability-only rate to the much higher price of $2,718 for high-risk insurance.

Liability Only $508
Full Coverage $1,246
High Risk $2,718

View Chart as Image

2014 Honda Insight insurance rates compared
Column chart showing 2014 Honda Insight insurance prices range from $721 to $4,874 for full coverage

These differences illustrate why everyone should compare rates using their specific location and risk profile, rather than 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 2014 Honda Insight Insurance

Searching Companies

Are you confused by the wide range of car insurance options? You’re not the only one! Drivers have so many options available that it can quickly become a challenge to find better rates.

Consumers need to price shop coverage on a regular basis because prices are constantly changing. Just because you had the best price for Insight coverage last year there is a good chance you can find better rates now. You’ll find quite a bit of inaccurate information about car insurance online but we’re going to give you some good information on how to buy car insurance cheaper.

How to Get Cheap Insurance Coverage

Comparing insurance coverage rates can take hours if you don’t utilize the most efficient way. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could use online quoting to get the quickest rates.

Many of the larger companies belong to an insurance system where prospective buyers submit their information once, and every company can give them a price based on the submitted data. This prevents consumers from doing quotation requests to each individual insurance coverage company.

To get comparison pricing now click here (opens in new window).

One minor caviat to getting quotes like this is buyers cannot specifically choose which carriers to get pricing from. So if you prefer to pick specific providers to compare rates, we have a listing of low cost insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same coverages on every quote you get. If your comparisons have different limits and deductibles on each one it’s impossible to determine which rate is truly the best. Just a small difference in insurance coverages can result in a big premium difference. Just keep in mind that having more price comparisons gives you a better chance of getting a better price.

Do you qualify for a discount?

Companies that sell car insurance do not list all available discounts very well, so we took the time to find both well-publicized and the more hidden insurance coverage savings.

  • Accident Waiver – A few companies permit an accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Insight coverage than drivers with accidents.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Paperwork-free – Certain companies will give a small break for buying a policy and signing up on their website.
  • Good Student Discount – This discount can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Save over 55 – Older drivers may receive better insurance coverage rates for Insight coverage.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.

Drivers should understand that many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

To see a list of providers offering insurance coverage discounts, click here to view.

What coverages do I need?

When buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether your personal situation might need professional guidance.

  • Why am I required to buy high-risk coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Where can I get insurance after a DUI in my state?
  • What discounts do I qualify for?
  • Is my camper covered by my car insurance policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I get a multi-policy discount?
  • Do I need rental car coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Parts of the Honda Insight rate equation

It’s important that you understand the rating factors that come into play when calculating insurance coverage rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

  • Credit scores impact insurance coverage rates – Your credit score is a huge factor in determining what you pay for insurance coverage. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit ratings. So if your credit score is low, you could potentially save money when insuring your 2014 Honda Insight by spending a little time repairing your credit.
  • Cautious drivers pay less – Your driving record has a huge affect on how much you pay. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Even a single speeding ticket can bump up the cost by twenty percent. Drivers who get severe violations such as DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Protect your assets with liability insurance – Liability insurance is the coverage that protects you if ever a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • A lapse in coverage is a bad thing – Letting your insurance expire will be a guaranteed way to pay more for insurance coverage. And not only will insurance be more expensive, failure to provide proof of insurance will get you a revoked license or a big fine.You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Do you know your deductibles? – Deductibles for physical damage define the amount you are required to spend before your insurance coverage pays a claim. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The higher the amount you have to pay, the lower your rates will be for Insight coverage.

The fine print in auto insurance ads

Progressive, GEICO, Allstate and State Farm consistently run ads on television and other media. All the companies make the same claim that you can save if you change to their company. How can each company make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the type of customer that makes them money. An example of a preferred risk could possibly be between the ages of 30 and 50, has no prior claims, and drives newer vehicles. Any new insured that hits that “sweet spot” receives the best rates and most likely will save when switching.

Potential customers who don’t measure up to this ideal profile will have to pay higher prices which leads to business not being written. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. This is how companies can truthfully advertise the way they do. Because of the profiling, it is so important to get a wide range of price quotes. It’s impossible to know which auto insurance company will have the lowest Honda Insight insurance rates.

Auto insurance coverage information

Knowing the specifics of your policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision coverage protection

This pays for damage to your Insight caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a mailbox, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Honda Insight.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, falling objects, vandalism and hitting a bird. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses for things like funeral costs, X-ray expenses, rehabilitation expenses, EMT expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as pain and suffering, funeral expenses, structural damage, court costs and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

A penny earned…

Low-cost 2014 Honda Insight insurance can be bought both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some car insurance companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

People change insurance companies for a variety of reasons including high prices, delays in responding to claim requests, questionable increases in premium or not issuing a premium refund. Regardless of your reason, switching car insurance companies is pretty easy and you might even save some money in the process.

As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

To learn more, feel free to browse the resources below:

Rates by U.S. City

2014 Honda Insight Insurance Rates by City
City Premium
New York City, NY $1,971
Los Angeles, CA $2,130
Philadelphia, PA $1,666
Jacksonville, FL $1,807
Phoenix, AZ $1,450
Chicago, IL $1,674
Houston, TX $1,953
Seattle, WA $1,215
Columbus, OH $1,041
Indianapolis, IN $1,062

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2014 Honda Insight Insurance Rates by Driver Age
Driver Age Premium
16 $4,874
20 $2,908
30 $1,286
40 $1,246
50 $1,142
60 $1,122

Full coverage, $500 deductibles

Rates by Deductible

2014 Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,526
$250 $1,394
$500 $1,246
$1,000 $1,102

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,246
50/100 $1,337
100/300 $1,451
250/500 $1,748
100 CSL $1,383
300 CSL $1,634
500 CSL $1,816

Full coverage, driver age 40

Rates for High Risk Drivers

2014 Honda Insight Insurance Rates for High Risk Drivers
Age Premium
16 $6,924
20 $4,642
30 $2,760
40 $2,718
50 $2,600
60 $2,578

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 $177

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $89
5-yr Claim Free $81
Paid in Full/EFT $54
Advance Quote $61
Online Quote $87
Total Discounts $525
Rate after discounts $721

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

Find companies with the cheapest rates in your area

2014 Honda Insight Insurance Rates by State
State Premium
Alabama $1,126
Alaska $956
Arizona $1,036
Arkansas $1,246
California $1,420
Colorado $1,192
Connecticut $1,280
Delaware $1,410
Florida $1,558
Georgia $1,148
Hawaii $896
Idaho $842
Illinois $930
Indiana $940
Iowa $840
Kansas $1,184
Kentucky $1,700
Louisiana $1,844
Maine $770
Maryland $1,028
Massachusetts $996
Michigan $2,166
Minnesota $1,042
Mississippi $1,492
Missouri $1,106
Montana $1,338
Nebraska $982
Nevada $1,494
New Hampshire $898
New Jersey $1,392
New Mexico $1,102
New York $1,314
North Carolina $718
North Dakota $1,018
Ohio $860
Oklahoma $1,280
Oregon $1,142
Pennsylvania $1,190
Rhode Island $1,662
South Carolina $1,130
South Dakota $1,052
Tennessee $1,090
Texas $1,502
Utah $924
Vermont $854
Virginia $748
Washington $964
West Virginia $1,142
Wisconsin $862
Wyoming $1,110

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