Honda Insight Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a Honda Insight are $878 a year with full coverage. Comprehensive insurance costs approximately $116, collision costs $162, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing $1,890 or more. Teenage drivers receive the highest rates at $3,650 a year or more.

Average premium for full coverage: $878

Rate estimates by individual coverage type:

Comprehensive $116
Collision $162
Liability $442

Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for different Insight trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $496 for the bare minimum liability coverage to a much higher rate of $1,890 for a driver required to buy high-risk insurance.

Liability Only $496
Full Coverage $878
High Risk $1,890

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $659
Small Cities $922
Large Cities $1,185

These examples demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of using average rates.

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 Information

The chart below details estimated Honda Insight insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $541
  • Raising to $1,000 deductibles will save $64 annually
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $878
  • Using more expensive low deductibles will cost an extra $118 every year
  • At-risk drivers who are prone to accidents and violations could pay around $1,890 or more
  • The cost for full coverage for a teen driver with full coverage can cost $3,650

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing full coverage Honda Insight insurance prices range from $541 to $3,650

Auto insurance rates for a Honda Insight can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles may pay as little as $800 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $3,600 a year. View Rates by Age

Where you live also has a big influence on Honda Insight insurance prices. A middle-age driver might find rates as low as $640 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,190 on average in New York, Michigan, and Florida.

Honda Insight Insurance Rates by State
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%

View Chart as Image

Honda Insight insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $190 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,000 to $1,500 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 126% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly 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 $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.

Honda Insight Insurance Rates by Model Year
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 Find the Right Honda Insight Insurance

Saving money on car insurance consists of avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to compare rates at every policy renewal by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a quick rundown of the data covered in the above illustrations.

  • Policyholders who purchase higher liability limits will pay an extra $490 every year to raise from a minimum limit to 250/500 limits
  • You may be able to save around $100 per year simply by shopping early and online
  • Increasing deductibles can save around $175 each year
  • Teenagers have the highest car insurance rates, with premiums as much as $304 per month if they have full coverage

Rates by Driver Age

Honda Insight Insurance 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

Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $996
$250 $942
$500 $878
$1,000 $814

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
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

Honda Insight Insurance 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.

SR-22 Surcharge $117

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
Rate after discounts $541

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles