Honda Insight Insurance Rates
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Michelle Robbins
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UPDATED: Jun 3, 2024
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The average insurance rates for a Honda Insight are $1,246 a year including full coverage. Comprehensive costs around $208, collision costs $424, and liability costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $2,718. 16-year-old drivers cost the most to insure at $4,874 a year or more.
Average premium for full coverage: $1,246
Policy rates for type of insurance:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Insight trim levels.
Price Range Variability
For a driver in their 40's, Honda Insight insurance rates go from the low end price of $508 for basic liability insurance to a much higher rate of $2,718 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than congested cities.
The price range example below illustrates how location helps determine auto insurance rates.
The examples above highlight why anyone shopping for car insurance should compare prices for a specific zip code, instead of 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.
Rate Comparisons
The chart below breaks down estimated Honda Insight insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $721
- Using higher $1,000 deductibles will save about $144 every year
- The estimated price for a good driver age 40 using $500 deductibles is $1,246
- Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,526
- Drivers with multiple tickets or accidents could pay at least $2,718 or more
- Policy cost that insures a teen driver with full coverage can be $4,874 or more
Insurance rates for a Honda Insight also range considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be as much as 43% to 134% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $4,800 a year. View Rates by Age
Your home state has a huge impact on Honda Insight insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,780 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,126 | -$120 | -9.6% |
| Alaska | $956 | -$290 | -23.3% |
| Arizona | $1,036 | -$210 | -16.9% |
| Arkansas | $1,246 | -$0 | 0.0% |
| California | $1,420 | $174 | 14.0% |
| Colorado | $1,192 | -$54 | -4.3% |
| Connecticut | $1,280 | $34 | 2.7% |
| Delaware | $1,410 | $164 | 13.2% |
| Florida | $1,558 | $312 | 25.0% |
| Georgia | $1,148 | -$98 | -7.9% |
| Hawaii | $896 | -$350 | -28.1% |
| Idaho | $842 | -$404 | -32.4% |
| Illinois | $930 | -$316 | -25.4% |
| Indiana | $940 | -$306 | -24.6% |
| Iowa | $840 | -$406 | -32.6% |
| Kansas | $1,184 | -$62 | -5.0% |
| Kentucky | $1,700 | $454 | 36.4% |
| Louisiana | $1,844 | $598 | 48.0% |
| Maine | $770 | -$476 | -38.2% |
| Maryland | $1,028 | -$218 | -17.5% |
| Massachusetts | $996 | -$250 | -20.1% |
| Michigan | $2,166 | $920 | 73.8% |
| Minnesota | $1,042 | -$204 | -16.4% |
| Mississippi | $1,492 | $246 | 19.7% |
| Missouri | $1,106 | -$140 | -11.2% |
| Montana | $1,338 | $92 | 7.4% |
| Nebraska | $982 | -$264 | -21.2% |
| Nevada | $1,494 | $248 | 19.9% |
| New Hampshire | $898 | -$348 | -27.9% |
| New Jersey | $1,392 | $146 | 11.7% |
| New Mexico | $1,102 | -$144 | -11.6% |
| New York | $1,314 | $68 | 5.5% |
| North Carolina | $718 | -$528 | -42.4% |
| North Dakota | $1,018 | -$228 | -18.3% |
| Ohio | $860 | -$386 | -31.0% |
| Oklahoma | $1,280 | $34 | 2.7% |
| Oregon | $1,142 | -$104 | -8.3% |
| Pennsylvania | $1,190 | -$56 | -4.5% |
| Rhode Island | $1,662 | $416 | 33.4% |
| South Carolina | $1,130 | -$116 | -9.3% |
| South Dakota | $1,052 | -$194 | -15.6% |
| Tennessee | $1,090 | -$156 | -12.5% |
| Texas | $1,502 | $256 | 20.5% |
| Utah | $924 | -$322 | -25.8% |
| Vermont | $854 | -$392 | -31.5% |
| Virginia | $748 | -$498 | -40.0% |
| Washington | $964 | -$282 | -22.6% |
| West Virginia | $1,142 | -$104 | -8.3% |
| Wisconsin | $862 | -$384 | -30.8% |
| Wyoming | $1,110 | -$136 | -10.9% |
Opting for high physical damage deductibles could cut rates by as much as $430 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out your exact price is to compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Insight LX | $1,212 | $101 |
| Honda Insight EX | $1,246 | $104 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Honda Insight | $240 | $502 | $430 | $1,330 |
| 2021 Honda Insight | $226 | $484 | $442 | $1,310 |
| 2020 Honda Insight | $218 | $450 | $452 | $1,278 |
| 2019 Honda Insight | $208 | $424 | $456 | $1,246 |
| 2018 Honda Insight | $200 | $380 | $460 | $1,198 |
| 2010 Honda Insight | $134 | $192 | $468 | $952 |
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 car insurance requires being a good driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Comparison shop every other policy renewal by requesting rates from direct car insurance companies, and also from local insurance agencies.
The following list is a quick review of the ideas that were covered in the charts and tables above.
- Drivers age 16 to 20 pay higher rates, with premiums being up to $406 each month if full coverage is included
- Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,470 more every year than a safer driver
- Increasing comprehensive and collision deductibles can save approximately $425 each year
- You may be able to save up to $150 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,874 |
| 20 | $2,908 |
| 30 | $1,286 |
| 40 | $1,246 |
| 50 | $1,142 |
| 60 | $1,122 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,526 |
| $250 | $1,394 |
| $500 | $1,246 |
| $1,000 | $1,102 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,246 |
| 50/100 | $1,337 |
| 100/300 | $1,451 |
| 250/500 | $1,748 |
| 100 CSL | $1,383 |
| 300 CSL | $1,634 |
| 500 CSL | $1,816 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,924 |
| 20 | $4,642 |
| 30 | $2,760 |
| 40 | $2,718 |
| 50 | $2,600 |
| 60 | $2,578 |
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 | $65 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $87 |
| Total Discounts | $525 |
Discounts are estimated and may not be available from every company or in every state.
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