Honda Insight Insurance Rates

The average insurance rates for a Honda Insight are $1,246 a year including full coverage. Comprehensive costs around $208, collision costs $424, and liability is estimated at $456. Liability-only insurance costs approximately $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 for type of insurance:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Insight models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why everyone should get quotes for a specific zip code, instead of using average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Honda Insight insurance rates for additional coverage choices and driver risks.

• The best discount rate is $721
• Choosing higher $1,000 deductibles can save about $144 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,246
• Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,526
• Unlucky drivers who are prone to accidents and violations could pay at least $2,718 or more
• Policy cost that insures a teen driver for full coverage can be $4,874 each year

View Chart as Image

Auto insurance rates for a Honda Insight also range considerably based on the model of your Insight, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,100 in extra premium every year, depending on your age. Honda Insight insurance for high-risk drivers ranges as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,800 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles can save as much as $430 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer 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 Find Low Cost Honda Insight Insurance

Finding cheaper rates on car insurance takes avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices once a year by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a review of the data that was covered above.

• You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
• Policyholders who may need increased liability limits will pay an extra $500 per year to raise limits from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, with premiums being up to $406 each month if the policy includes full coverage
• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,470 more every year to insure a Honda Insight