Honda Insight Insurance Rates
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Michelle Robbins
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UPDATED: Jun 3, 2024
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The average insurance rates for a Honda Insight are $1,246 a year with full coverage. Comprehensive insurance costs on average $208 each year, collision costs $424, and liability coverage is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing $2,718 or more. Teens cost the most to insure at $4,874 a year or more.
Average premium for full coverage: $1,246
Policy rates by type of insurance:
Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Insight models.
Price Range Variability
For the average driver, Honda Insight insurance rates go from the low end price of $508 for just the minimum liability insurance to a high rate of $2,718 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city has a large influence on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates how location impacts car insurance rates.
The examples above demonstrate why all drivers should get quotes based on a specific location, rather than 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 Analysis
The chart below details estimated Honda Insight insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $721
- Choosing higher $1,000 deductibles can save around $144 annually
- The estimated price for a good driver age 40 with $500 deductibles is $1,246
- Selecting low deductibles for comp and collision coverage will cost an additional $280 each year
- Drivers with serious driving violations could pay upwards of $2,718 or more
- Policy cost that insures a teenage driver may cost $4,874 each year
Auto insurance rates for a Honda Insight also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 134% more than the average policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $4,800 a year. View Rates by Age
Your home state plays a big part in determining prices for Honda Insight insurance rates. A good driver about age 40 could pay as low as $900 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,680 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,126 | -$120 | -9.6% |
| Alaska | $956 | -$290 | -23.3% |
| Arizona | $1,036 | -$210 | -16.9% |
| Arkansas | $1,246 | -$0 | 0.0% |
| California | $1,420 | $174 | 14.0% |
| Colorado | $1,192 | -$54 | -4.3% |
| Connecticut | $1,280 | $34 | 2.7% |
| Delaware | $1,410 | $164 | 13.2% |
| Florida | $1,558 | $312 | 25.0% |
| Georgia | $1,148 | -$98 | -7.9% |
| Hawaii | $896 | -$350 | -28.1% |
| Idaho | $842 | -$404 | -32.4% |
| Illinois | $930 | -$316 | -25.4% |
| Indiana | $940 | -$306 | -24.6% |
| Iowa | $840 | -$406 | -32.6% |
| Kansas | $1,184 | -$62 | -5.0% |
| Kentucky | $1,700 | $454 | 36.4% |
| Louisiana | $1,844 | $598 | 48.0% |
| Maine | $770 | -$476 | -38.2% |
| Maryland | $1,028 | -$218 | -17.5% |
| Massachusetts | $996 | -$250 | -20.1% |
| Michigan | $2,166 | $920 | 73.8% |
| Minnesota | $1,042 | -$204 | -16.4% |
| Mississippi | $1,492 | $246 | 19.7% |
| Missouri | $1,106 | -$140 | -11.2% |
| Montana | $1,338 | $92 | 7.4% |
| Nebraska | $982 | -$264 | -21.2% |
| Nevada | $1,494 | $248 | 19.9% |
| New Hampshire | $898 | -$348 | -27.9% |
| New Jersey | $1,392 | $146 | 11.7% |
| New Mexico | $1,102 | -$144 | -11.6% |
| New York | $1,314 | $68 | 5.5% |
| North Carolina | $718 | -$528 | -42.4% |
| North Dakota | $1,018 | -$228 | -18.3% |
| Ohio | $860 | -$386 | -31.0% |
| Oklahoma | $1,280 | $34 | 2.7% |
| Oregon | $1,142 | -$104 | -8.3% |
| Pennsylvania | $1,190 | -$56 | -4.5% |
| Rhode Island | $1,662 | $416 | 33.4% |
| South Carolina | $1,130 | -$116 | -9.3% |
| South Dakota | $1,052 | -$194 | -15.6% |
| Tennessee | $1,090 | -$156 | -12.5% |
| Texas | $1,502 | $256 | 20.5% |
| Utah | $924 | -$322 | -25.8% |
| Vermont | $854 | -$392 | -31.5% |
| Virginia | $748 | -$498 | -40.0% |
| Washington | $964 | -$282 | -22.6% |
| West Virginia | $1,142 | -$104 | -8.3% |
| Wisconsin | $862 | -$384 | -30.8% |
| Wyoming | $1,110 | -$136 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $430 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer calculates rates differently, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Insight LX | $1,212 | $101 |
| Honda Insight EX | $1,246 | $104 |
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 | $240 | $502 | $430 | $1,330 |
| 2021 Honda Insight | $226 | $484 | $442 | $1,310 |
| 2020 Honda Insight | $218 | $450 | $452 | $1,278 |
| 2019 Honda Insight | $208 | $424 | $456 | $1,246 |
| 2018 Honda Insight | $200 | $380 | $460 | $1,198 |
| 2010 Honda Insight | $134 | $192 | $468 | $952 |
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
Finding cheaper rates on auto insurance takes being a safe and courteous driver, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Compare rates at least every other year by requesting rates from direct companies, and also from several local insurance agents.
Below is a quick review of the car insurance concepts touched on above.
- Drivers with a DUI or reckless driving violation pay on average $1,470 more each year for auto insurance
- You may be able to save as much as $150 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $425 each year
- Consumers who require higher levels of liability will pay approximately $500 every year to raise limits from a 30/60 limit to the 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,526 |
| $250 | $1,394 |
| $500 | $1,246 |
| $1,000 | $1,102 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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