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 a year, collision insurance costs $424, and liability coverage is estimated at $456. Liability-only insurance costs approximately $508 a year, and high-risk driver insurance costs $2,718 or more. Teens cost the most to insure at up to $4,874 a year.

Average premium for full coverage: $1,246

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Insight trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Analysis

The chart below breaks down average Honda Insight insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $721
• Choosing higher $1,000 deductibles can save $1,102 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,246
• Selecting low $100 deductibles for comp and collision coverage costs an extra $280 each year
• Drivers with serious driving violations could pay around $2,718
• Policy cost to insure a teenage driver can cost $4,874 each year

View Chart as Image

Auto 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 higher comprehensive and collision insurance deductibles can save as much as $430 a year, while buying higher 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 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have 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 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 134% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda Insight insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,780 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Cheap Honda Insight Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a brief summary of the information covered in the above illustrations.

• You may be able to save around $150 per year just by quoting early and online
• Teenagers have the highest car insurance rates, with premiums being up to $406 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Drivers that tend to have accidents or serious violations could be charged and average of $1,470 more per year for car insurance
• Consumers who purchase higher liability limits will pay approximately $500 per year to raise limits from a 30/60 limit to a 250/500 level