Honda Insight Insurance Rates

The average insurance prices for a Honda Insight are $1,246 every 12 months with full coverage. Comprehensive costs on average $208, collision costs $424, and liability insurance costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing around $2,718. Teenage 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:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Insight models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities.

The example below illustrates how your location can change car insurance rates.

The examples above demonstrate why everyone should compare rates based on a specific location and their own driving history, rather than relying on average rates.

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

More Rate Information

The chart below details estimated Honda Insight insurance rates for different risk profiles and scenarios.

• The best discount rate is $721
• Drivers who choose higher $1,000 deductibles will pay around $144 annually
• The average price for a good driver age 40 with $500 deductibles is $1,246
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,526
• High risk drivers who are prone to accidents and violations could pay upwards of $2,718 or more
• Policy cost to insure a teen driver for full coverage may cost $4,874 a year

View Chart as Image

Auto insurance rates for a Honda Insight also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Insight.

Using high physical damage deductibles could save up to $430 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good 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 much higher for teenagers, since even excellent drivers will have to pay upwards 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 at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Honda Insight insurance for high-risk drivers can cost anywhere from 43% to 134% more than a normal policy. 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 New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,680 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, and quoted 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 Low Cost Honda Insight Insurance

Finding cheaper rates on Honda Insight insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and taking advantage of discounts. Invest the time to shop around every couple of years by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The following list is a review of the material that was illustrated above.

• Drivers who require an increased level of liability coverage will pay an extra $500 every year to go from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest rates, as much as $406 each month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations may pay on average $1,470 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $425 each year