Honda Insight Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $116
Collision $162
Liability $442

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.

Liability Only $496
Full Coverage $878
High Risk $1,890

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.

Rural Areas $659
Small Cities $922
Large Cities $1,185

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

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing full coverage Honda Insight insurance rates range from $541 to $3,650

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.

Honda Insight Insurance Rates by State
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%

View Chart as Image

Honda Insight insurance rates by U.S. city

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

Honda Insight Insurance Rates by Model and Trim Level
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.

Honda Insight Insurance Rates by Model Year
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

Rates by Driver Age

Honda Insight Insurance 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

Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $996
$250 $942
$500 $878
$1,000 $814

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
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

Honda Insight Insurance 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.

SR-22 Surcharge $117

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
Rate after discounts $541

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

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