Honda Insight Insurance Rates
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UPDATED: Jun 3, 2024
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Average insurance prices for a Honda Insight are $1,310 every 12 months for full coverage. Comprehensive costs around $226 each year, collision costs $484, and liability coverage is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing around $2,866. Teens receive the highest rates at $5,076 a year or more.
Average premium for full coverage: $1,310
Rate estimates for individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Insight models.
Price Range by Coverage and Risk
For an average driver, prices range go from the cheapest price of $496 for a discount liability-only rate to a high rate of $2,866 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion.
The graphic below illustrates the effect of geographic area on auto insurance rates.
These examples show why all drivers should compare rates quotes for a specific zip code and their own driving history, 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.
Rates by State, City, and Model
The chart below shows estimated Honda Insight insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $752
- Raising to $1,000 deductibles will save about $160 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,310
- Selecting low deductibles increases the price to $1,626
- Unlucky drivers with serious driving violations could pay at least $2,866 or more
- The cost to insure a teenage driver can be $5,076
Insurance rates for a Honda Insight can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 a year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $5,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 136% more than the average policy. View High Risk Driver Rates
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 have to pay at least $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% |
With so much variability in rates, the only way to know your exact price is to do a rate comparison and see how they stack up. 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 | $1,274 | $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 Shop for More Affordable Honda Insight Insurance
Saving money on auto insurance consists of having a decent driving record, having good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Take the time to compare rates at every policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a summary of the data covered in the above illustrations.
- Consumers who may need additional liability coverage will pay approximately $490 each year to raise from a minimum limit to a 250/500 level
- Drivers can save up to $160 per year simply by quoting online in advance
- Increasing deductibles could save as much as $475 each year
- 16 to 18-year-old drivers pay higher rates, costing as high as $423 per month if they have full coverage
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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