Honda Insight Insurance Rates

The average insurance rates for a Honda Insight are $1,246 a year for full coverage. Comprehensive insurance costs on average $208, collision insurance costs $424, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs $2,718 or more. Teenage drivers cost the most to insure at up to $4,874 a year.

Average premium for full coverage: $1,246

Policy rates by type of insurance:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all Insight models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why everyone should get quotes based on a specific location, instead of using average rates.

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

Additional Charts and Tables

The chart below shows average Honda Insight insurance rates for different risk profiles and scenarios.

• The best discount rate is $721
• Choosing higher $1,000 deductibles can save around $144 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,246
• Using pricier 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 upwards of $2,718
• Policy cost that insures a teen driver for full coverage may cost $4,874 each year

View Chart as Image

Insurance rates for a Honda Insight also range considerably based on the model of your Insight, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 additional every year, depending on your age. Honda Insight insurance for high-risk drivers ranges as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents 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 should be prepared to pay upwards of $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 $820 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,780 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $430 every year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

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 Cheap Honda Insight Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare prices every time your policy renews by getting quotes from direct carriers, and also from local exclusive and independent agents.

Below you'll find a brief summary of the information covered above.

• Drivers can save as much as $150 per year just by quoting online well ahead of the renewal date
• Youthful drivers pay higher rates, costing up to $406 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,470 more each year than a low-risk driver
• Policyholders who require more liability protection will pay an extra $500 each year to raise limits from a 30/60 limit to the 250/500 level