Honda Insight Insurance Rates

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

Average premium for full coverage: $1,278

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 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 car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance prices.

The examples above show why anyone shopping for car insurance should get quotes using their specific location, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $737
• Choosing higher $1,000 deductibles can save $152 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,278
• Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,574
• Unlucky drivers who are prone to accidents and violations could pay around $2,786 or more
• Policy cost that insures a teen driver with full coverage can cost $4,966 each year

View Chart as Image

Car insurance rates for a Honda Insight also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges as much as 42% to 131% 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 in the ballpark of $4,900 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 $840 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $450 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates 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 More Affordable Honda Insight Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Compare prices every couple of years by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following items are a summary of the material that was touched on in the above illustrations.

• Policyholders who purchase additional liability coverage will pay an extra $500 each year to raise limits from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers pay the highest auto insurance rates, costing up to $414 each month if full coverage is purchased
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,510 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $450 each year