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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U.S. average auto insurance rates for a Honda Insight are $878 annually with full coverage. Comprehensive costs approximately $116, collision costs $162, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing around $1,890. Teen drivers pay the highest rates at $3,650 a year or more.

Average premium for full coverage: $878

Price estimates by individual coverage:

Comprehensive $116
Collision $162
Liability $442

Includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Insight trim levels.

Price Range from Low to High

For the normal driver, Honda Insight insurance prices go from as cheap as $496 for just liability coverage to a much higher rate of $1,890 for high-risk insurance.

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

Geographic Price Range

Your location can make a big difference on the price of insurance. Rural locations have fewer collision claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance prices.

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

The ranges above demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of making a decision based 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.

Detailed Rate Analysis

The chart below details estimated Honda Insight insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $541
  • Drivers who choose higher $1,000 deductibles will pay $64 annually
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $878
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost $996
  • Drivers with multiple violations and an at-fault accident could pay around $1,890 or more
  • The price with full coverage for a 16-year-old driver with full coverage can cost $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 prices for a Honda Insight are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $800 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $3,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,000 to $1,500 extra each year, depending on your age. High-risk driver insurance can cost from 41% to 126% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $190 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Honda Insight insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,190 on average in New York, Michigan, and Florida.

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

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Every company uses a different rate calculation, so the prices may be quite 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 $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 $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 Buy the Cheapest Honda Insight Insurance

Getting lower rates on insurance for a Honda Insight not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a recap of the material that was presented in the illustrations above.

  • Insureds who purchase increased liability limits will pay about $490 every year to go from a low limit to higher 250/500 limits
  • Drivers under the age of 20 are expensive to insure, costing up to $304 a month including comprehensive and collision insurance
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,010 more per year to insure a Honda Insight
  • Increasing physical damage deductibles could save up to $175 each year

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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