Honda Insight Insurance Rates

The average insurance rates for a Honda Insight are $1,246 a year with full coverage. Comprehensive insurance costs around $208, collision costs $424, and liability is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing $2,718 or more. 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:

Includes $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist 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 have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities.

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

The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code, instead of using average rates.

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

Additional Rate Analysis

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 estimated price for a good driver age 40 using $500 deductibles is $1,246
• Using more expensive low deductibles for comp and collision coverage will cost an additional $280 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,718 or more
• Policy cost that insures a teen driver with full coverage can be $4,874 each year

View Chart as Image

Car insurance rates for a Honda Insight also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

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

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $4,800 a year. View Rates by Age

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

Using high physical damage deductibles can save as much as $430 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so rate quotes 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 Find the Cheapest Honda Insight Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare prices at every policy renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a recap of the data covered in the charts and tables above.

• Policyholders who may need more liability protection will pay an extra $500 every year to raise limits from a 30/60 limit to the 250/500 level
• You may be able to save up to $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Youthful drivers are the costliest to insure, as much as $406 each month if full coverage is purchased