Honda Insight Insurance Rates

The average insurance prices for a Honda Insight are $1,246 every 12 months with full coverage. Comprehensive insurance costs approximately $208 a year, collision costs $424, and liability insurance costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing $2,718 or more. Teen drivers cost the most to insure at $4,874 a year or more.

Average premium for full coverage: $1,246

Policy rates by type of insurance:

Rates are based on $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Insight trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location and their own driving history, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $721
• Drivers who choose higher $1,000 deductibles will pay $1,102 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,246
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $280 a year
• High risk drivers with multiple violations and an at-fault accident could pay around $2,718 or more
• Policy cost to insure a teen driver can cost $4,874 a year

View Chart as Image

Insurance rates for a Honda Insight also range considerably based on liability limits and deductibles, your driving record, and the model of your Insight.

Choosing high deductibles could save up to $430 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

Your home state makes a big difference in Honda Insight insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,680 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Every company uses a different rate calculation, so the rates 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 Shop for the Best Cheap Honda Insight Insurance

Finding cheaper rates on Honda Insight insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates at least once a year by requesting rates from direct companies, and also from insurance agencies where you live.

The following is a quick review of the primary concepts that were covered in the above illustrations.

• You may be able to save around $150 per year simply by quoting early and online
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,470 more per year for Insight insurance
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Teens are expensive to insure, as much as $406 each month if they have full coverage