Honda Insight Insurance Rates

Average auto insurance rates for a Honda Insight are $1,246 annually including full coverage. Comprehensive costs an estimated $208 each year, collision costs $424, and liability insurance costs around $456. A policy with just liability insurance costs as low as $508 a year, with coverage for high-risk drivers costing around $2,718. Teenage drivers receive the highest rates at $4,874 a year or more.

Average premium for full coverage: $1,246

Rate estimates broken down by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Insight models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

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

These examples highlight why all drivers should compare prices for a targeted area and their own personal driving habits, 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 other coverage scenarios.

• The best discount rate is $721
• Using higher $1,000 deductibles will save approximately $144 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,246
• Using low deductibles for physical damage coverage will cost $1,526
• Drivers who are prone to accidents and violations could pay up to $2,718 or more
• The cost with full coverage for a teen driver can cost as much as $4,874 or more

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Insurance rates for a Honda Insight can also vary considerably based on the trim level of your Insight, your driving characteristics, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $430 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Honda Insight insurance rates. A driver around age 40 might see rates 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.

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With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, and rates can be significantly different between companies.

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 Buy the Best Honda Insight Insurance

Saving money on Honda Insight insurance requires having a decent driving record, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following items are a brief recap of the primary concepts that were covered above.

• You may be able to save approximately $150 per year simply by quoting online in advance
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,470 more annually than a driver with a clean driving record
• Increasing deductibles could save up to $425 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $406 per month if they have full coverage