Honda Insight Insurance Rates
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UPDATED: Jun 2, 2023
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The average insurance rates for a Honda Insight are $878 a year with full coverage. Comprehensive costs around $116, collision costs $162, and liability coverage costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $1,890. Teens cost the most to insure at $3,650 a year or more.
Average premium for full coverage: $878
Policy rates for type of insurance:
Rates are based on $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all Insight models.
Price Range Variability
For a driver around age 40, Honda Insight insurance rates go from as low as $496 for just the minimum liability insurance to the much higher price of $1,890 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above demonstrate why everyone should compare rates for a specific zip code and risk profile, 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.
Additional Rate Analysis
The chart below details estimated Honda Insight insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $541
- Drivers who choose higher $1,000 deductibles will pay about $64 annually
- The average rate for a good driver age 40 using $500 deductibles is $878
- Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $996
- High-risk insureds with serious driving violations could pay at least $1,890 or more
- Policy cost for full coverage for a teenage driver for full coverage can be $3,650 a year
Insurance rates for a Honda Insight also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $3,600 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 $640 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,190 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $794 | -$84 | -9.6% |
| Alaska | $674 | -$204 | -23.2% |
| Arizona | $730 | -$148 | -16.9% |
| Arkansas | $878 | -$0 | 0.0% |
| California | $1,000 | $122 | 13.9% |
| Colorado | $838 | -$40 | -4.6% |
| Connecticut | $902 | $24 | 2.7% |
| Delaware | $992 | $114 | 13.0% |
| Florida | $1,098 | $220 | 25.1% |
| Georgia | $810 | -$68 | -7.7% |
| Hawaii | $630 | -$248 | -28.2% |
| Idaho | $594 | -$284 | -32.3% |
| Illinois | $654 | -$224 | -25.5% |
| Indiana | $660 | -$218 | -24.8% |
| Iowa | $592 | -$286 | -32.6% |
| Kansas | $836 | -$42 | -4.8% |
| Kentucky | $1,198 | $320 | 36.4% |
| Louisiana | $1,300 | $422 | 48.1% |
| Maine | $542 | -$336 | -38.3% |
| Maryland | $726 | -$152 | -17.3% |
| Massachusetts | $704 | -$174 | -19.8% |
| Michigan | $1,524 | $646 | 73.6% |
| Minnesota | $734 | -$144 | -16.4% |
| Mississippi | $1,052 | $174 | 19.8% |
| Missouri | $778 | -$100 | -11.4% |
| Montana | $944 | $66 | 7.5% |
| Nebraska | $692 | -$186 | -21.2% |
| Nevada | $1,052 | $174 | 19.8% |
| New Hampshire | $632 | -$246 | -28.0% |
| New Jersey | $980 | $102 | 11.6% |
| New Mexico | $776 | -$102 | -11.6% |
| New York | $926 | $48 | 5.5% |
| North Carolina | $504 | -$374 | -42.6% |
| North Dakota | $718 | -$160 | -18.2% |
| Ohio | $608 | -$270 | -30.8% |
| Oklahoma | $902 | $24 | 2.7% |
| Oregon | $804 | -$74 | -8.4% |
| Pennsylvania | $838 | -$40 | -4.6% |
| Rhode Island | $1,172 | $294 | 33.5% |
| South Carolina | $794 | -$84 | -9.6% |
| South Dakota | $742 | -$136 | -15.5% |
| Tennessee | $770 | -$108 | -12.3% |
| Texas | $1,056 | $178 | 20.3% |
| Utah | $652 | -$226 | -25.7% |
| Vermont | $600 | -$278 | -31.7% |
| Virginia | $526 | -$352 | -40.1% |
| Washington | $678 | -$200 | -22.8% |
| West Virginia | $804 | -$74 | -8.4% |
| Wisconsin | $608 | -$270 | -30.8% |
| Wyoming | $782 | -$96 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $190 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,000 to $1,500 extra every year, depending on your age. Honda Insight insurance for high-risk drivers can cost around 41% to 126% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see how they stack up. Every company calculates rates differently, so the rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Insight LX | $862 | $72 |
| Honda Insight EX | $878 | $73 |
Rates assume 2001 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 |
|---|---|---|---|---|
| 2010 Honda Insight | $158 | $258 | $478 | $1,052 |
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 the Best Cheap Honda Insight Insurance
Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following is a quick review of the data covered above.
- Consumers who may need higher liability limits will pay approximately $490 every year to go from a 30/60 limit to 250/500 limits
- You may be able to save up to $100 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $175 each year
- Teens pay higher rates, as much as $304 each month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,650 |
| 20 | $2,022 |
| 30 | $886 |
| 40 | $878 |
| 50 | $808 |
| 60 | $792 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $996 |
| $250 | $942 |
| $500 | $878 |
| $1,000 | $814 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $878 |
| 50/100 | $966 |
| 100/300 | $1,077 |
| 250/500 | $1,364 |
| 100 CSL | $1,011 |
| 300 CSL | $1,254 |
| 500 CSL | $1,431 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,114 |
| 20 | $3,220 |
| 30 | $1,898 |
| 40 | $1,890 |
| 50 | $1,810 |
| 60 | $1,792 |
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 | $43 |
| Multi-vehicle | $48 |
| Homeowner | $16 |
| 5-yr Accident Free | $51 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $30 |
| Advance Quote | $37 |
| Online Quote | $58 |
| Total Discounts | $337 |
Discounts are estimated and may not be available from every company or in every state.
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