Honda Insight Insurance Rates

The average insurance prices for a Honda Insight are $1,246 every 12 months including full coverage. Comprehensive insurance costs approximately $208 each year, collision costs $424, and liability insurance is $456. Buying just liability costs around $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:

Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Insight models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location helps determine auto insurance prices.

The examples above highlight why all drivers should compare rates quotes 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 breaks down estimated Honda Insight insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $721
• Raising to $1,000 deductibles will save $144 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,246
• Choosing low deductibles costs an extra $280 a year
• Higher-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

View Chart as Image

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

Choosing high deductibles can reduce rates by up to $430 each year, whereas increasing liability limits will push rates upward. Changing 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

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,200 every 12 months 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 are likely paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

Your home state also has a big influence on Honda Insight insurance rates. A middle-age driver might find rates as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,780 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance 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 Low Cost Honda Insight Insurance

Finding cheaper rates on Honda Insight insurance consists of being a low-risk driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates at least once a year by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a review of the primary concepts that were covered in the charts and tables above.

• You may be able to save around $150 per year simply by quoting online in advance
• High-risk drivers who have several accidents or serious violations could be charged and average of $1,470 more per year to insure their Insight
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Teen drivers are expensive to insure, with premiums being up to $406 each month if they have full coverage