Honda Insight Insurance Rates
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UPDATED: Jun 2, 2023
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U.S. average insurance rates for a Honda Insight are $878 a year for full coverage insurance. Comprehensive insurance costs around $116 a year, collision costs $162, and liability is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing $1,890 or more. Teen drivers pay the highest rates at $3,650 a year or more.
Average premium for full coverage: $878
Price estimates for individual coverage:
Price estimates include $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Insight trim levels.
Price Range from Low to High
For a driver around age 40, Honda Insight insurance prices go from as low as $496 for a discount liability-only rate to a high of $1,890 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above illustrate why it is important to get quotes for a specific zip code and risk profile, 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.
Rates by State, City, and Model
The chart below illustrates estimated Honda Insight insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $541
- Choosing higher $1,000 deductibles can save about $814 each year
- The average rate for the average middle-age driver using $500 deductibles is $878
- Choosing low $100 deductibles for comp and collision coverage will cost an extra $118 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,890 or more
- The price for full coverage for a 16-year-old driver can be $3,650 each year
Insurance prices for a Honda Insight are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as low as $800 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $3,600 a year. View Rates by Age
The state you live in plays a big part in determining prices for Honda Insight insurance prices. A good driver about age 40 could pay as low as $580 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,190 on average in Michigan, New York, and Florida.
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 high deductibles can save as much as $190 annually, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,000 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy ranges from 41% to 126% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to figure out your exact price is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so the prices may be quite different 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 | $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 Find Cheaper Honda Insight Insurance
Getting lower rates on insurance for a Honda Insight takes being a safe and courteous driver, 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 rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a condensed summary of the data covered above.
- Insureds who may need higher levels of liability will pay about $490 annually to raise limits from a low limit to 250/500 limits
- It is possible to save up to $100 per year simply by quoting early and online
- Increasing physical damage deductibles can save around $175 each year
- Teenage drivers pay higher prices, as much as $304 a 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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