Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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The average insurance prices for a Honda Insight are $1,278 every 12 months including full coverage. Comprehensive insurance costs on average $218, collision costs $450, and liability coverage costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing $2,786 or more. 16-year-old drivers cost the most to insure at $4,966 a year or more.

Average premium for full coverage: $1,278

Policy rates by type of insurance:

Comprehensive $218
Collision $450
Liability $452

Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist 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 cheapest price of $504 for liability-only coverage to a much higher rate of $2,786 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities.

The price range example below illustrates how location helps determine car insurance rates.

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

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, 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 Charts and Tables

The chart below breaks down estimated Honda Insight insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $737
  • Using higher $1,000 deductibles will save around $152 every year
  • The average price for a good driver age 40 with $500 deductibles is $1,278
  • Buying more expensive low deductibles for physical damage coverage costs an extra $296 each year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,786 or more
  • Policy cost to insure a teenage driver with full coverage may cost $4,966 or more

View Chart as Image

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

Insurance rates for a Honda Insight also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Insight.

Opting for high physical damage deductibles could cut rates by as much as $450 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be around 42% to 131% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Honda Insight insurance rates. A driver around age 40 might see rates as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,820 on average in Michigan, New York, and Louisiana.

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

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, and rates will be varied.

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 Shop for More Affordable Honda Insight Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates at least once a year by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The items below are a summary of the primary concepts that were covered in the charts and tables above.

  • You may be able to save as much as $150 per year simply by shopping early and online
  • Drivers who have multiple accidents or major violations may pay on average $1,510 more each year to insure their Insight
  • Increasing comprehensive and collision deductibles could save as much as $450 each year
  • Teen drivers pay higher rates, with premiums being up to $414 each month if full coverage is included

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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