Honda Insight Insurance Rates
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UPDATED: Jun 2, 2023
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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:
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.
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.
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
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.
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% |
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
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 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
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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