Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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Average insurance prices for a Honda Insight are $1,278 every 12 months for full coverage insurance. Comprehensive insurance costs around $218 each year, collision insurance costs $450, and liability insurance is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs $2,786 or more. Teenage drivers receive the highest rates at up to $4,966 a year.

Average premium for full coverage: $1,278

Rate estimates for individual coverage type:

Comprehensive $218
Collision $450
Liability $452

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Insight models.

Price Range by Coverage and Risk

For the average driver, prices range range from the cheapest price of $504 for just liability insurance to a high rate of $2,786 for a policy for a high-risk driver.

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

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

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

These examples illustrate why all drivers should get quotes for a specific zip code and their own driving history, rather than relying on average rates.

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.

More Rate Details

The chart below illustrates average Honda Insight insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $737
  • Choosing higher $1,000 deductibles can save about $152 each year
  • The average price for a 40-year-old driver using $500 deductibles is $1,278
  • Using low deductibles for comp and collision coverage costs an extra $296 a year
  • High-risk insureds who are prone to accidents and violations could pay at least $2,786
  • The cost to insure a teen driver can be $4,966 each year

View Chart as Image

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

Auto insurance rates for a Honda Insight can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles can save as much as $450 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 131% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Honda Insight insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,720 on average in Michigan, New York, and Florida.

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

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 Cheaper Honda Insight Insurance

Saving money on Honda Insight insurance takes avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a condensed summary of the coverage data touched on above.

  • It is possible to save up to $150 per year just by quoting online in advance
  • Increasing deductibles could save as much as $450 each year
  • Teenagers are expensive to insure, costing up to $414 per month if comprehensive and collision insurance is included
  • High-risk drivers with multiple at-fault accidents may pay on average $1,510 more every year for car insurance

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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