Honda Insight Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 3, 2024
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Average insurance prices for a Honda Insight are $1,246 every 12 months for full coverage. Comprehensive insurance costs approximately $208 a year, collision costs $424, and liability coverage costs around $456. A liability-only policy costs as low as $508 a year, with high-risk insurance costing $2,718 or more. Teen drivers receive the highest rates at $4,874 a year or more.
Average premium for full coverage: $1,246
Rate estimates by individual coverage type:
These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Insight trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $508 for the bare minimum liability coverage to a high of $2,718 for high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than larger metro areas.
The diagram below illustrates how location helps determine auto insurance prices.
These examples show why it is important to compare prices using their specific location and their own driving history, rather than using 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.
Additional Rate Information
The chart below shows estimated Honda Insight insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $721
- Using higher $1,000 deductibles will save $1,102 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,246
- Choosing low $100 deductibles for physical damage coverage costs an extra $280 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,718 or more
- The cost to insure a teenage driver can cost $4,874 or more
Insurance rates for a Honda Insight can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Insight.
Choosing high deductibles could cut rates by as much as $430 a year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than average. View High Risk Driver Rates
Where you live has a huge impact on Honda Insight insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Iowa, Maine, and Idaho, or as much as $1,780 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the rates can be significantly different.
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 Shop for Cheap Honda Insight Insurance
Saving money on auto insurance requires being safe and accident-free, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a brief summary of the material that was covered in the charts and tables above.
- Consumers who purchase more liability protection will pay about $500 each year to increase from a minimum limit to a 250/500 level
- Youthful drivers are expensive to insure, costing as high as $406 per month if they have full coverage
- Drivers that tend to have accidents or serious violations may pay on average $1,470 more per year than a low-risk driver
- Increasing deductibles could save as much as $425 each year
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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