Honda Insight Insurance Rates
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UPDATED: Jun 3, 2024
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Average insurance rates for a Honda Insight are $1,310 a year for full coverage. Comprehensive costs around $226 a year, collision costs $484, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $2,866. Teen drivers receive the highest rates at $5,076 a year or more.
Average premium for full coverage: $1,310
Rate estimates for individual coverage type:
These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Insight trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the low end price of $496 for liability-only coverage to a high of $2,866 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas.
The diagram below illustrates how rural and urban location affects auto insurance rates.
These examples show why it is important to compare rates quotes for a specific zip code, rather than relying on price averages.
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 Charts and Tables
The chart below shows estimated Honda Insight insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $752
- Raising to $1,000 deductibles will save about $1,150 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,310
- Choosing low $100 deductibles bumps up the cost to $1,626
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,866 or more
- The cost that insures a teen driver can be $5,076
Car insurance rates for a Honda Insight can also vary considerably based on the trim level of your Insight, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 136% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $5,000 a year. View Rates by Age
Where you live also has a big influence on Honda Insight insurance rates. A middle-age driver might find rates as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,870 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,186 | -$124 | -9.5% |
| Alaska | $1,008 | -$302 | -23.1% |
| Arizona | $1,090 | -$220 | -16.8% |
| Arkansas | $1,310 | -$0 | 0.0% |
| California | $1,494 | $184 | 14.0% |
| Colorado | $1,252 | -$58 | -4.4% |
| Connecticut | $1,348 | $38 | 2.9% |
| Delaware | $1,484 | $174 | 13.3% |
| Florida | $1,640 | $330 | 25.2% |
| Georgia | $1,210 | -$100 | -7.6% |
| Hawaii | $942 | -$368 | -28.1% |
| Idaho | $888 | -$422 | -32.2% |
| Illinois | $976 | -$334 | -25.5% |
| Indiana | $988 | -$322 | -24.6% |
| Iowa | $884 | -$426 | -32.5% |
| Kansas | $1,246 | -$64 | -4.9% |
| Kentucky | $1,788 | $478 | 36.5% |
| Louisiana | $1,942 | $632 | 48.2% |
| Maine | $808 | -$502 | -38.3% |
| Maryland | $1,082 | -$228 | -17.4% |
| Massachusetts | $1,050 | -$260 | -19.8% |
| Michigan | $2,278 | $968 | 73.9% |
| Minnesota | $1,098 | -$212 | -16.2% |
| Mississippi | $1,570 | $260 | 19.8% |
| Missouri | $1,162 | -$148 | -11.3% |
| Montana | $1,410 | $100 | 7.6% |
| Nebraska | $1,034 | -$276 | -21.1% |
| Nevada | $1,572 | $262 | 20.0% |
| New Hampshire | $944 | -$366 | -27.9% |
| New Jersey | $1,466 | $156 | 11.9% |
| New Mexico | $1,160 | -$150 | -11.5% |
| New York | $1,382 | $72 | 5.5% |
| North Carolina | $754 | -$556 | -42.4% |
| North Dakota | $1,074 | -$236 | -18.0% |
| Ohio | $906 | -$404 | -30.8% |
| Oklahoma | $1,346 | $36 | 2.7% |
| Oregon | $1,202 | -$108 | -8.2% |
| Pennsylvania | $1,252 | -$58 | -4.4% |
| Rhode Island | $1,750 | $440 | 33.6% |
| South Carolina | $1,186 | -$124 | -9.5% |
| South Dakota | $1,106 | -$204 | -15.6% |
| Tennessee | $1,150 | -$160 | -12.2% |
| Texas | $1,580 | $270 | 20.6% |
| Utah | $972 | -$338 | -25.8% |
| Vermont | $896 | -$414 | -31.6% |
| Virginia | $786 | -$524 | -40.0% |
| Washington | $1,014 | -$296 | -22.6% |
| West Virginia | $1,202 | -$108 | -8.2% |
| Wisconsin | $908 | -$402 | -30.7% |
| Wyoming | $1,170 | -$140 | -10.7% |
Choosing high deductibles can reduce rates by up to $480 each year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Insight LX | $1,274 | $106 |
| Honda Insight EX | $1,310 | $109 |
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 | $256 | $536 | $398 | $1,348 |
| 2021 Honda Insight | $248 | $524 | $416 | $1,346 |
| 2020 Honda Insight | $240 | $502 | $430 | $1,330 |
| 2019 Honda Insight | $226 | $484 | $442 | $1,310 |
| 2018 Honda Insight | $218 | $450 | $452 | $1,278 |
| 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 Cheap Honda Insight Insurance
Saving money on Honda Insight insurance consists of avoiding accidents and violations, having a positive credit history, eliminating unneeded coverage, and qualifying for all possible discounts. Shop around every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a brief summary of the material that was raised in the charts and tables above.
- Drivers who may need higher liability limits will pay about $490 each year to raise from a minimum limit to the 250/500 level
- Teenagers are the costliest to insure, costing as high as $423 per month if full coverage is purchased
- High-risk drivers that tend to have accidents or serious violations pay on average $1,560 more every year for car insurance
- Increasing deductibles can save approximately $475 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,076 |
| 20 | $3,068 |
| 30 | $1,358 |
| 40 | $1,310 |
| 50 | $1,202 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,626 |
| $250 | $1,478 |
| $500 | $1,310 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,310 |
| 50/100 | $1,398 |
| 100/300 | $1,509 |
| 250/500 | $1,796 |
| 100 CSL | $1,443 |
| 300 CSL | $1,686 |
| 500 CSL | $1,863 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,226 |
| 20 | $4,898 |
| 30 | $2,918 |
| 40 | $2,866 |
| 50 | $2,740 |
| 60 | $2,718 |
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 | $69 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $59 |
| Advance Quote | $65 |
| Online Quote | $92 |
| Total Discounts | $558 |
Discounts are estimated and may not be available from every company or in every state.
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