Honda Insight Insurance Rates
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UPDATED: Jun 2, 2023
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The average insurance prices for a Honda Insight are $878 every 12 months including full coverage. Comprehensive costs approximately $116, collision insurance costs $162, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs around $1,890. 16-year-old drivers cost the most to insure at up to $3,650 a year.
Average premium for full coverage: $878
Policy rates by type of insurance:
Prices include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Insight trim levels.
Price Range Variability
For the normal driver, Honda Insight insurance rates range from the cheapest price of $496 for just the minimum liability insurance to a much higher rate of $1,890 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how geographic area affects auto insurance prices.
The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of using rate 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.
Additional Rate Analysis
The chart below breaks down average Honda Insight insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $541
- Choosing higher $1,000 deductibles can save $64 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $878
- Buying more expensive low deductibles for comp and collision coverage increases the price to $996
- Unlucky drivers with multiple tickets or accidents could pay around $1,890
- Policy cost to insure a teen driver with full coverage can cost $3,650 each year
Insurance rates for a Honda Insight also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Insight.
Opting for high physical damage deductibles can save as much as $190 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $3,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,000 to $1,500 additional every year, depending on your age. High-risk driver insurance ranges as much as 41% to 126% more than the average rate. 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 $670 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,250 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $794 | -$84 | -9.6% |
| Alaska | $674 | -$204 | -23.2% |
| Arizona | $730 | -$148 | -16.9% |
| Arkansas | $878 | -$0 | 0.0% |
| California | $1,000 | $122 | 13.9% |
| Colorado | $838 | -$40 | -4.6% |
| Connecticut | $902 | $24 | 2.7% |
| Delaware | $992 | $114 | 13.0% |
| Florida | $1,098 | $220 | 25.1% |
| Georgia | $810 | -$68 | -7.7% |
| Hawaii | $630 | -$248 | -28.2% |
| Idaho | $594 | -$284 | -32.3% |
| Illinois | $654 | -$224 | -25.5% |
| Indiana | $660 | -$218 | -24.8% |
| Iowa | $592 | -$286 | -32.6% |
| Kansas | $836 | -$42 | -4.8% |
| Kentucky | $1,198 | $320 | 36.4% |
| Louisiana | $1,300 | $422 | 48.1% |
| Maine | $542 | -$336 | -38.3% |
| Maryland | $726 | -$152 | -17.3% |
| Massachusetts | $704 | -$174 | -19.8% |
| Michigan | $1,524 | $646 | 73.6% |
| Minnesota | $734 | -$144 | -16.4% |
| Mississippi | $1,052 | $174 | 19.8% |
| Missouri | $778 | -$100 | -11.4% |
| Montana | $944 | $66 | 7.5% |
| Nebraska | $692 | -$186 | -21.2% |
| Nevada | $1,052 | $174 | 19.8% |
| New Hampshire | $632 | -$246 | -28.0% |
| New Jersey | $980 | $102 | 11.6% |
| New Mexico | $776 | -$102 | -11.6% |
| New York | $926 | $48 | 5.5% |
| North Carolina | $504 | -$374 | -42.6% |
| North Dakota | $718 | -$160 | -18.2% |
| Ohio | $608 | -$270 | -30.8% |
| Oklahoma | $902 | $24 | 2.7% |
| Oregon | $804 | -$74 | -8.4% |
| Pennsylvania | $838 | -$40 | -4.6% |
| Rhode Island | $1,172 | $294 | 33.5% |
| South Carolina | $794 | -$84 | -9.6% |
| South Dakota | $742 | -$136 | -15.5% |
| Tennessee | $770 | -$108 | -12.3% |
| Texas | $1,056 | $178 | 20.3% |
| Utah | $652 | -$226 | -25.7% |
| Vermont | $600 | -$278 | -31.7% |
| Virginia | $526 | -$352 | -40.1% |
| Washington | $678 | -$200 | -22.8% |
| West Virginia | $804 | -$74 | -8.4% |
| Wisconsin | $608 | -$270 | -30.8% |
| Wyoming | $782 | -$96 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Insight LX | $862 | $72 |
| Honda Insight EX | $878 | $73 |
Rates assume 2001 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Honda Insight | $148 | $236 | $474 | $1,016 |
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 the Right Honda Insight Insurance
Finding cheaper rates on car insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.
Below you'll find a quick rundown of the data that was presented in the illustrations above.
- You may be able to save around $100 per year just by shopping early and online
- Policyholders who purchase more liability protection will pay around $490 per year to raise limits from a 30/60 limit to a 250/500 level
- Youthful drivers are the costliest to insure, with premiums being up to $304 each month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions could be charged and average of $1,010 more per year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,650 |
| 20 | $2,022 |
| 30 | $886 |
| 40 | $878 |
| 50 | $808 |
| 60 | $792 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $996 |
| $250 | $942 |
| $500 | $878 |
| $1,000 | $814 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $878 |
| 50/100 | $966 |
| 100/300 | $1,077 |
| 250/500 | $1,364 |
| 100 CSL | $1,011 |
| 300 CSL | $1,254 |
| 500 CSL | $1,431 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,114 |
| 20 | $3,220 |
| 30 | $1,898 |
| 40 | $1,890 |
| 50 | $1,810 |
| 60 | $1,792 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $43 |
| Multi-vehicle | $48 |
| Homeowner | $16 |
| 5-yr Accident Free | $51 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $30 |
| Advance Quote | $37 |
| Online Quote | $58 |
| Total Discounts | $337 |
Discounts are estimated and may not be available from every company or in every state.
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