Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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U.S. average insurance rates for a Honda Insight are $1,246 a year for full coverage insurance. Comprehensive insurance costs around $208, collision costs $424, and liability coverage is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing $2,718 or more. 16-year-old drivers pay the highest rates at $4,874 a year or more.

Average premium for full coverage: $1,246

Price estimates for individual coverage:

Comprehensive $208
Collision $424
Liability $456

Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Insight trim levels.

Price Range from Low to High

For an average driver, Honda Insight insurance prices go from the low end price of $508 for your basic liability-only policy to a much higher rate of $2,718 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,246
High Risk $2,718

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $935
Small Cities $1,308
Large Cities $1,682

The ranges above illustrate why anyone shopping for car insurance should get quotes for a specific zip code, rather than using rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

The chart below illustrates estimated Honda Insight insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $721
  • Choosing higher $1,000 deductibles can save about $144 each year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,246
  • Buying more expensive low deductibles for comp and collision coverage will cost an additional $280 each year
  • Drivers with multiple tickets or accidents could pay at least $2,718 or more
  • The price that insures a teenage driver with full coverage can be $4,874 each year

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing full coverage Honda Insight insurance prices range from $721 to $4,874

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

If you have some driving violations or you caused an accident, you are probably paying at least $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance ranges around 43% to 134% more than the average rate. View High Risk Driver Rates

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

The state you live in plays a big part in determining prices for Honda Insight insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,680 on average in Michigan, New York, and Florida.

Honda Insight Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,126 -$120 -9.6%
Alaska $956 -$290 -23.3%
Arizona $1,036 -$210 -16.9%
Arkansas $1,246 -$0 0.0%
California $1,420 $174 14.0%
Colorado $1,192 -$54 -4.3%
Connecticut $1,280 $34 2.7%
Delaware $1,410 $164 13.2%
Florida $1,558 $312 25.0%
Georgia $1,148 -$98 -7.9%
Hawaii $896 -$350 -28.1%
Idaho $842 -$404 -32.4%
Illinois $930 -$316 -25.4%
Indiana $940 -$306 -24.6%
Iowa $840 -$406 -32.6%
Kansas $1,184 -$62 -5.0%
Kentucky $1,700 $454 36.4%
Louisiana $1,844 $598 48.0%
Maine $770 -$476 -38.2%
Maryland $1,028 -$218 -17.5%
Massachusetts $996 -$250 -20.1%
Michigan $2,166 $920 73.8%
Minnesota $1,042 -$204 -16.4%
Mississippi $1,492 $246 19.7%
Missouri $1,106 -$140 -11.2%
Montana $1,338 $92 7.4%
Nebraska $982 -$264 -21.2%
Nevada $1,494 $248 19.9%
New Hampshire $898 -$348 -27.9%
New Jersey $1,392 $146 11.7%
New Mexico $1,102 -$144 -11.6%
New York $1,314 $68 5.5%
North Carolina $718 -$528 -42.4%
North Dakota $1,018 -$228 -18.3%
Ohio $860 -$386 -31.0%
Oklahoma $1,280 $34 2.7%
Oregon $1,142 -$104 -8.3%
Pennsylvania $1,190 -$56 -4.5%
Rhode Island $1,662 $416 33.4%
South Carolina $1,130 -$116 -9.3%
South Dakota $1,052 -$194 -15.6%
Tennessee $1,090 -$156 -12.5%
Texas $1,502 $256 20.5%
Utah $924 -$322 -25.8%
Vermont $854 -$392 -31.5%
Virginia $748 -$498 -40.0%
Washington $964 -$282 -22.6%
West Virginia $1,142 -$104 -8.3%
Wisconsin $862 -$384 -30.8%
Wyoming $1,110 -$136 -10.9%

View Chart as Image

Honda Insight insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $430 a year, while increasing your policy's liability limits will increase prices. Switching 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 only way to figure out your exact price is to compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Honda Insight Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Insight LX $1,212 $101
Honda Insight EX $1,246 $104

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.

Honda Insight Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2022 Honda Insight $240 $502 $430 $1,330
2021 Honda Insight $226 $484 $442 $1,310
2020 Honda Insight $218 $450 $452 $1,278
2019 Honda Insight $208 $424 $456 $1,246
2018 Honda Insight $200 $380 $460 $1,198
2010 Honda Insight $134 $192 $468 $952

Rates are averaged for all Honda Insight models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Affordable Honda Insight Insurance

Getting lower rates on auto insurance takes having a good driving record, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop every other policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a brief review of the ideas that were covered in the above illustrations.

  • Drivers age 20 and younger are expensive to insure, as much as $406 a month if the policy includes full coverage
  • Drivers with DUI or reckless driving convictions could be forced to pay on average $1,470 more every year to buy Honda Insight insurance
  • Increasing physical damage deductibles can save approximately $425 each year
  • It is possible to save up to $150 per year simply by shopping early and online

Rates by Driver Age

Honda Insight Insurance Rates by Driver Age
Driver Age Premium
16 $4,874
20 $2,908
30 $1,286
40 $1,246
50 $1,142
60 $1,122

Full coverage, $500 deductibles

Rates by Deductible

Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,526
$250 $1,394
$500 $1,246
$1,000 $1,102

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,246
50/100 $1,337
100/300 $1,451
250/500 $1,748
100 CSL $1,383
300 CSL $1,634
500 CSL $1,816

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Insight Insurance Rates for High Risk Drivers
Age Premium
16 $6,924
20 $4,642
30 $2,760
40 $2,718
50 $2,600
60 $2,578

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $177

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $89
5-yr Claim Free $81
Paid in Full/EFT $54
Advance Quote $61
Online Quote $87
Total Discounts $525
Rate after discounts $721

Discounts are estimated and may not be available from every company or in every state.

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