Honda Insight Insurance Rates

U.S. average insurance rates for a Honda Insight are $1,246 a year including full coverage. Comprehensive insurance costs approximately $208, collision costs $424, and liability insurance is estimated at $456. A policy with just liability insurance costs approximately $508 a year, with coverage for high-risk drivers costing $2,718 or more. Teenage drivers pay the highest rates at $4,874 a year or more.

Average premium for full coverage: $1,246

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Insight trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

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

The ranges above highlight why anyone shopping for car insurance should get quotes using their specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

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

• The best discount rate is $721
• Choosing higher $1,000 deductibles can save $144 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,246
• Using more expensive low deductibles for comp and collision coverage will cost an additional $280 a year
• High-risk insureds who are prone to accidents and violations could pay around $2,718 or more
• The price that insures a teen driver with full coverage can cost $4,874 each year

View Chart as Image

Insurance prices for a Honda Insight are also quite variable based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda Insight insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $430 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Honda Insight Insurance

Getting lower rates on Honda Insight insurance takes avoiding accidents and claims, having above-average credit, being claim-free, and maximizing policy discounts. Compare prices at least every other year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The points below are a condensed summary of the car insurance concepts presented in the illustrations above.

• High-risk drivers with multiple at-fault accidents will likely pay on average $1,470 more per year to insure a Honda Insight
• You may be able to save around $150 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $425 each year
• Drivers who purchase increased liability limits will pay an extra $500 per year to raise limits from a low limit to the 250/500 level