Honda Insight Insurance Rates

U.S. average auto insurance rates for a Honda Insight are $1,246 annually including full coverage. Comprehensive costs approximately $208 each year, collision costs $424, and liability insurance costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing around $2,718. Teenage drivers pay the highest rates at $4,874 a year or more.

Average premium for full coverage: $1,246

Price estimates by individual coverage:

Prices include $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Insight models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on average rates.

Use the form below to get customized rates for your location.

More Rate Information

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

• The best discount rate is $721
• Drivers who choose higher $1,000 deductibles will pay $144 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,246
• Using low deductibles for comprehensive and collision insurance will cost $1,526
• High risk drivers who are prone to accidents and violations could pay around $2,718 or more
• The price with full coverage for a teen driver can cost $4,874 a year

View Chart as Image

Insurance prices for a Honda Insight are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $430 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Honda Insight insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Right Honda Insight Insurance

Getting lower rates on Honda Insight insurance not only requires having a good driving record, but also having good credit, being claim-free, and qualifying for all possible discounts. Take the time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a quick rundown of the primary concepts that were covered in the above illustrations.

• You may be able to save around $150 per year simply by quoting online in advance
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,470 more per year to buy Honda Insight insurance
• Increasing physical damage deductibles could save up to $425 each year
• Drivers age 20 and younger are the costliest to insure, possibly costing $406 a month if they have full coverage