Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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Average insurance rates for a Honda Insight are $1,278 a year with full coverage. Comprehensive costs approximately $218, collision costs $450, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing around $2,786. Teen drivers receive the highest rates at $4,966 a year or more.

Average premium for full coverage: $1,278

Rate estimates by individual coverage type:

Comprehensive $218
Collision $450
Liability $452

Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Insight trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as low as $504 for just liability coverage to a much higher rate of $2,786 for a high-risk driver policy.

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

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance prices.

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

These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of making a decision based 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.

Detailed Rate Analysis

The chart below details estimated Honda Insight insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $737
  • Choosing higher $1,000 deductibles can save $152 annually
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,278
  • Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,574
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,786 or more
  • The cost for full coverage for a 16-year-old driver with full coverage can cost $4,966 each year

View Chart as Image

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

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

An older driver with no driving violations and high deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Honda Insight insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,720 on average in New York, Michigan, 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

Choosing high deductibles can save as much as $450 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance ranges from 42% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

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 Find the Best Honda Insight Insurance

Saving money on insurance for a Honda Insight takes being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and avoiding coverage lapses. Make time to compare rates every time your policy renews by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

Below is a brief recap of the information touched on in this article.

  • You may be able to save around $150 per year simply by shopping early and online
  • Teenage drivers pay the highest auto insurance rates, with premiums as much as $414 per month if full coverage is included
  • Increasing deductibles can save around $450 each year
  • Drivers considered higher risk who tend to receive serious violations pay on average $1,510 more per year for auto insurance
  • Insureds who purchase higher levels of liability will pay about $500 every year to raise limits from a minimum limit to 250/500 limits

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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