Honda Insight Insurance Rates

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

Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Insight trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above illustrate why it is important to compare rates based on a 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 illustrates average Honda Insight insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $721
• Drivers who choose higher $1,000 deductibles will pay around $1,102 each year
• The average price for a good driver age 40 with $500 deductibles is $1,246
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,526
• High-risk insureds with serious driving violations could pay upwards of $2,718
• Policy cost to insure a teenage driver may cost $4,874 a year

View Chart as Image

Car insurance rates for a Honda Insight also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Insight.

Choosing higher comprehensive and collision insurance deductibles could save up to $430 a year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged 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 are probably paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 134% more than the average 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 $820 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,680 on average in Michigan, New York, and Florida.

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 the Best Honda Insight Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by requesting rates from direct insurance companies, and also from several local insurance agents.

The next list is a brief recap of the information covered above.

• It is possible to save as much as $150 per year just by quoting early and online
• Drivers age 20 and younger are expensive to insure, possibly costing $406 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Drivers who tend to receive serious violations pay on average $1,470 more each year to buy Honda Insight insurance
• Consumers who require increased levels of liability coverage will pay approximately $500 annually to go from a 30/60 limit to a 250/500 level