Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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Average auto insurance rates for a Honda Insight are $1,278 annually for full coverage. Comprehensive insurance costs approximately $218 each year, collision costs $450, and liability insurance is $452. A policy with just liability insurance costs around $504 a year, with coverage for high-risk drivers costing $2,786 or more. Teenage drivers receive the highest rates at $4,966 a year or more.

Average premium for full coverage: $1,278

Rate estimates by individual coverage type:

Comprehensive $218
Collision $450
Liability $452

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Insight models.

Price Range by Coverage and Risk

For the normal driver, prices range go from as cheap as $504 for liability-only coverage to a high rate of $2,786 for a high-risk driver policy.

Liability Only $504
Full Coverage $1,278
High Risk $2,786

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

Rural Areas $959
Small Cities $1,342
Large Cities $1,725

These examples show why all drivers should compare rates quotes 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.

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 and risk scenarios.

  • The best discount rate is $737
  • Raising to $1,000 deductibles will save $152 a year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,278
  • Using low deductibles costs an additional $296 a year
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,786 or more
  • The cost with full coverage for a teen driver can cost $4,966

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing full coverage Honda Insight insurance prices range from $737 to $4,966

Insurance rates for a Honda Insight can also vary considerably based on the trim level of your Insight, your driver profile, 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 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $450 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Honda Insight insurance rates. A middle-age driver might find rates as low as $840 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,820 on average in New York, Louisiana, and Michigan.

Honda Insight Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,154 -$124 -9.7%
Alaska $978 -$300 -23.5%
Arizona $1,058 -$220 -17.2%
Arkansas $1,278 -$0 0.0%
California $1,454 $176 13.8%
Colorado $1,220 -$58 -4.5%
Connecticut $1,314 $36 2.8%
Delaware $1,444 $166 13.0%
Florida $1,598 $320 25.0%
Georgia $1,178 -$100 -7.8%
Hawaii $916 -$362 -28.3%
Idaho $864 -$414 -32.4%
Illinois $950 -$328 -25.7%
Indiana $960 -$318 -24.9%
Iowa $860 -$418 -32.7%
Kansas $1,212 -$66 -5.2%
Kentucky $1,742 $464 36.3%
Louisiana $1,890 $612 47.9%
Maine $788 -$490 -38.3%
Maryland $1,052 -$226 -17.7%
Massachusetts $1,022 -$256 -20.0%
Michigan $2,218 $940 73.6%
Minnesota $1,068 -$210 -16.4%
Mississippi $1,528 $250 19.6%
Missouri $1,132 -$146 -11.4%
Montana $1,370 $92 7.2%
Nebraska $1,008 -$270 -21.1%
Nevada $1,530 $252 19.7%
New Hampshire $920 -$358 -28.0%
New Jersey $1,426 $148 11.6%
New Mexico $1,130 -$148 -11.6%
New York $1,344 $66 5.2%
North Carolina $736 -$542 -42.4%
North Dakota $1,046 -$232 -18.2%
Ohio $882 -$396 -31.0%
Oklahoma $1,312 $34 2.7%
Oregon $1,170 -$108 -8.5%
Pennsylvania $1,218 -$60 -4.7%
Rhode Island $1,704 $426 33.3%
South Carolina $1,156 -$122 -9.5%
South Dakota $1,078 -$200 -15.6%
Tennessee $1,118 -$160 -12.5%
Texas $1,540 $262 20.5%
Utah $944 -$334 -26.1%
Vermont $874 -$404 -31.6%
Virginia $764 -$514 -40.2%
Washington $986 -$292 -22.8%
West Virginia $1,170 -$108 -8.5%
Wisconsin $884 -$394 -30.8%
Wyoming $1,138 -$140 -11.0%

View Chart as Image

Honda Insight insurance rates by U.S. city

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Honda Insight Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Insight LX $1,240 $103
Honda Insight EX $1,278 $107

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.

Honda Insight Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2022 Honda Insight $248 $524 $416 $1,346
2021 Honda Insight $240 $502 $430 $1,330
2020 Honda Insight $226 $484 $442 $1,310
2019 Honda Insight $218 $450 $452 $1,278
2018 Honda Insight $208 $424 $456 $1,246
2010 Honda Insight $140 $214 $474 $986

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 Buy the Best Cheap Honda Insight Insurance

Saving money on Honda Insight insurance consists of being a good driver, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The following list is a quick review of the information presented in the illustrations above.

  • Drivers can save around $150 per year simply by quoting online in advance
  • Drivers age 16 to 20 are the costliest to insure, costing as high as $414 per month if they have full coverage
  • Increasing deductibles could save up to $450 each year
  • High-risk drivers with a DUI or reckless driving violation pay on average $1,510 more per year than a safer driver
  • Drivers who purchase an increased level of liability coverage will pay an extra $500 each year to raise from a minimum limit to higher 250/500 limits

Rates by Driver Age

Honda Insight Insurance Rates by Driver Age
Driver Age Premium
16 $4,966
20 $2,982
30 $1,318
40 $1,278
50 $1,170
60 $1,148

Full coverage, $500 deductibles

Rates by Deductible

Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,574
$250 $1,436
$500 $1,278
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,278
50/100 $1,368
100/300 $1,481
250/500 $1,775
100 CSL $1,414
300 CSL $1,662
500 CSL $1,843

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Insight Insurance Rates for High Risk Drivers
Age Premium
16 $7,066
20 $4,756
30 $2,832
40 $2,786
50 $2,666
60 $2,642

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.

SR-22 Surcharge $182

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $67
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $92
5-yr Claim Free $83
Paid in Full/EFT $56
Advance Quote $63
Online Quote $90
Total Discounts $541
Rate after discounts $737

Discounts are estimated and may not be available from every company or in every state.

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