Honda Insight Insurance Rates

The average insurance prices for a Honda Insight are $1,246 every 12 months with full coverage. Comprehensive costs around $208, collision costs $424, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing around $2,718. Teenage 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:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Insight trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below details estimated Honda Insight insurance rates for additional coverage choices and driver risks.

• The best discount rate is $721
• Choosing higher $1,000 deductibles can save about $144 annually
• The average price for a good driver age 40 using $500 deductibles is $1,246
• Using more expensive low deductibles for comp and collision coverage increases the price to $1,526
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,718 or more
• Policy cost to insure a 16-year-old driver with full coverage can be $4,874 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $430 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance ranges from 43% to 134% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda Insight insurance prices. A good driver about age 40 could pay as low as $900 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,680 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and rates will be varied.

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 Shop for Affordable Honda Insight Insurance

Finding cheaper rates on insurance for a Honda Insight takes being a low-risk driver, having above-average credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates every year by getting quotes from direct companies, and also from several local insurance agents.

The items below are a brief review of the coverage data covered in the above illustrations.

• You may be able to save up to $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Teen drivers are charged the highest rates, as much as $406 each month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,470 more every year to insure their Insight