Honda Insight Insurance Rates
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UPDATED: Jun 3, 2024
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Average insurance rates for a Honda Insight are $1,278 a year for full coverage. Comprehensive insurance costs an estimated $218, collision costs $450, and liability is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing $2,786 or more. Teens receive the highest rates at $4,966 a year or more.
Average premium for full coverage: $1,278
Rate estimates broken down by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different Insight trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the low end price of $504 for basic liability insurance to a much higher rate of $2,786 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than cities with more traffic congestion.
The price range example below illustrates the difference between rural and urban areas on insurance prices.
These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of making a decision based on 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.
Rate Comparisons
The chart below shows estimated Honda Insight insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $737
- Raising to $1,000 deductibles will save approximately $152 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,278
- Selecting more expensive low deductibles will cost an additional $296 annually
- Drivers with serious driving violations could pay up to $2,786 or more
- The cost that insures a 16-year-old driver with full coverage can cost as much as $4,966
Insurance rates for a Honda Insight can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 131% more than the average policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $4,900 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 $840 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,820 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $450 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to compare rates from multiple companies. Every auto insurance company calculates rates differently, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Cheap Honda Insight Insurance
Saving money on insurance for a Honda Insight consists of avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Compare rates every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a quick review of the ideas that were covered above.
- Teenagers are charged the highest rates, costing as high as $414 per month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,510 more annually for car insurance
- Increasing deductibles can save approximately $450 each year
- Drivers can save approximately $150 per year simply by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,574 |
| $250 | $1,436 |
| $500 | $1,278 |
| $1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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