Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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The average auto insurance rates for a Honda Insight are $1,278 annually for full coverage. Comprehensive insurance costs an estimated $218, collision costs $450, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing $2,786 or more. Teen drivers cost the most to insure at $4,966 a year or more.

Average premium for full coverage: $1,278

Policy rates broken down by type of insurance:

Comprehensive $218
Collision $450
Liability $452

Prices include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Insight models.

Price Range Variability

For the normal driver, Honda Insight insurance rates go from as cheap as $504 for a discount liability-only rate to the much higher price of $2,786 for a driver required to buy high-risk insurance.

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

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than larger metro areas.

The example below illustrates how geographic area affects insurance prices.

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

The examples above show why everyone should compare rates for a targeted area and their own personal driving habits, rather than relying on 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.

Rates by State, City, and Model

The chart below shows estimated Honda Insight insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $737
  • Drivers who choose higher $1,000 deductibles will pay approximately $152 a year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,278
  • Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $296 a year
  • High risk drivers with multiple violations and an at-fault accident could pay up to $2,786 or more
  • Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,966 a year

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

Car insurance rates for a Honda Insight also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,500 to $2,100 extra every year, depending on your age. Honda Insight insurance for high-risk drivers can cost anywhere from 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $450 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Honda Insight insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or as much as $1,820 on average in New York, Louisiana, and Michigan.

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 only way to know which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be varied between companies.

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 Buy the Right Honda Insight Insurance

Finding cheaper rates on Honda Insight insurance not only requires not taking risks behind the wheel, but also having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a quick rundown of the data presented in the illustrations above.

  • Drivers who want higher liability limits will pay about $500 each year to go from a 30/60 limit to higher 250/500 limits
  • Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save up to $450 each year
  • Teens have the highest car insurance rates, costing up to $414 each month if comprehensive and collision insurance 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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