Honda Insight Insurance Rates

U.S. average insurance rates for a Honda Insight are $1,246 a year including full coverage. Comprehensive insurance costs an estimated $208 each year, collision costs $424, and liability coverage costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing $2,718 or more. Teenage drivers pay the highest rates at $4,874 a year or more.

Average premium for full coverage: $1,246

Price estimates broken down by individual coverage:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Insight models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The ranges above highlight why all drivers should compare rates for a targeted area, rather than using average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Honda Insight insurance rates for other coverage scenarios.

• The best discount rate is $721
• Drivers who choose higher $1,000 deductibles will pay approximately $144 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,246
• Using low deductibles for comprehensive and collision insurance will cost an additional $280 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,718 or more
• The price that insures a teenage driver can cost as much as $4,874 a year

View Chart as Image

Auto insurance prices for a Honda Insight are also quite variable based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age

The state you live in makes a big difference in Honda Insight insurance rates. A 40-year-old driver could pay 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 could save up to $430 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, and quoted prices may be quite 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 Cheaper Honda Insight Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices at least every other year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a condensed summary of the car insurance concepts covered above.

• Drivers with multiple at-fault accidents could be charged and average of $1,470 more annually for auto insurance
• You may be able to save approximately $150 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $425 each year
• Consumers who want higher levels of liability will pay an extra $500 per year to go from a low limit to the 250/500 level