Honda Insight Insurance Rates

The average insurance rates for a Honda Insight are $1,246 a year including full coverage. Comprehensive costs an estimated $208 a year, collision costs $424, and liability coverage costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing around $2,718. Teen drivers cost the most to insure at $4,874 a year or more.

Average premium for full coverage: $1,246

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Insight trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and risk profile, rather than using price averages.

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

Rate Comparisons

The chart below breaks down estimated Honda Insight insurance rates for other coverage scenarios.

• The lowest rate with discounts is $721
• Drivers who choose higher $1,000 deductibles will pay approximately $1,102 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,246
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,526
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,718 or more
• Policy cost for full coverage for a teenage driver can cost as much as $4,874 a year

View Chart as Image

Insurance rates for a Honda Insight also range considerably based on your risk profile, the model of your Insight, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $4,800 a year. View Rates by Age

Your home state 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 as much as $1,780 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $430 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Every company uses a different rate calculation, and rates will be varied from one company to the next.

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 Find Low Cost Honda Insight Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a review of the ideas that were raised in the charts and tables above.

• Drivers age 16 to 20 are expensive to insure, with premiums being up to $406 each month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations may pay on average $1,470 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save around $425 each year
• You may be able to save approximately $150 per year simply by quoting early and online