Honda Insight Insurance Rates

Estimated insurance rates for a Honda Insight are $1,246 a year including full coverage. Comprehensive costs approximately $208, collision costs $424, and liability insurance is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing around $2,718. Teenage drivers pay the most at $4,874 a year or more.

Average premium for full coverage: $1,246

Premium estimates by type of coverage:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Insight trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes using their specific location, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $721
• Raising to $1,000 deductibles will save $144 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,246
• Using more expensive low deductibles bumps up the cost to $1,526
• Higher-risk drivers who are prone to accidents and violations could pay around $2,718 or more
• An auto insurance policy that insures a teen driver with full coverage can cost $4,874

View Chart as Image

Insurance prices for a Honda Insight also have a wide range based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,800 a year. View Rates by Age

Where you choose to live also has a big influence on Honda Insight insurance rates. A middle-age driver might find prices as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $430 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different.

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 Right Honda Insight Insurance

Finding better rates on Honda Insight insurance consists of having a decent driving record, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Compare prices at least once a year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following items are a quick rundown of the primary concepts that were presented in the illustrations above.

• You may be able to save around $150 per year simply by shopping early and online
• High-risk drivers with reckless driving or DUI convictions will likely pay on average $1,470 more per year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $425 each year
• 16 to 18-year-old drivers are expensive to insure, with the cost nearing $406 per month if full coverage is included