Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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U.S. average insurance rates for a Honda Insight are $1,278 a year including full coverage. Comprehensive insurance costs an estimated $218 each year, collision insurance costs $450, and liability coverage is $452. Liability-only coverage costs around $504 a year, and high-risk coverage costs $2,786 or more. 16-year-old drivers pay the highest rates at up to $4,966 a year.

Average premium for full coverage: $1,278

Price estimates broken down by individual coverage:

Comprehensive $218
Collision $450
Liability $452

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Insight models.

Price Range from Low to High

For the normal driver, Honda Insight insurance prices range from as low as $504 for minimum levels of liability insurance to a high rate of $2,786 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates how geographic area affects insurance prices.

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

The ranges above highlight why all drivers should compare rates quotes for a targeted area and risk profile, rather than using rate 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.

Additional Rate Details

The chart below breaks down average Honda Insight insurance rates for other coverage scenarios.

  • The best full coverage rate is $737
  • Raising to $1,000 deductibles will save approximately $152 every year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,278
  • Buying low deductibles will cost an extra $296 each year
  • Unlucky drivers with multiple tickets or accidents could pay up to $2,786
  • The price for full coverage for a teenage driver can cost as much as $4,966

View Chart as Image

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

Auto insurance prices for a Honda Insight are also quite variable based on your driving record, the model of your Insight, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

The state you live in also has a big influence on Honda Insight insurance rates. A middle-age driver might find prices as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,820 on average in Louisiana, New York, 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

Opting for high physical damage deductibles can reduce prices by up to $450 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 131% more than the average rate. View High Risk Driver Rates

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 Find More Affordable Honda Insight Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having good credit, being claim-free, and consideration of higher deductibles. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a summary of the ideas that were presented in the illustrations above.

  • 16 to 18-year-old drivers are the costliest to insure, possibly costing $414 a month if they have full coverage
  • Drivers who have multiple accidents or major violations may pay on average $1,510 more annually than a driver with a clean driving record
  • Increasing physical damage deductibles can save around $450 each year
  • You may be able to save approximately $150 per year just by quoting online in advance

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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