Honda Insight Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 3, 2024
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The average insurance rates for a Honda Insight are $1,278 a year for full coverage insurance. Comprehensive costs approximately $218, collision insurance costs $450, and liability coverage is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs around $2,786. 16-year-old drivers cost the most to insure at up to $4,966 a year.
Average premium for full coverage: $1,278
Policy rates by type of insurance:
Full coverage includes $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Insight models.
Price Range Variability
For a driver in their 40's, Honda Insight insurance rates range from as low as $504 for just liability insurance to the much higher price of $2,786 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities. The example below illustrates how location helps determine auto insurance prices.
The examples above illustrate why everyone should get quotes using their specific location and risk profile, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below illustrates average Honda Insight insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $737
- Choosing higher $1,000 deductibles can save $152 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,278
- Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,574
- Drivers with multiple tickets or accidents could pay around $2,786
- Policy cost for full coverage for a teenage driver for full coverage can cost $4,966 each year
Insurance rates for a Honda Insight also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age
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 $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,720 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,154 | -$124 | -9.7% |
| Alaska | $978 | -$300 | -23.5% |
| Arizona | $1,058 | -$220 | -17.2% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,454 | $176 | 13.8% |
| Colorado | $1,220 | -$58 | -4.5% |
| Connecticut | $1,314 | $36 | 2.8% |
| Delaware | $1,444 | $166 | 13.0% |
| Florida | $1,598 | $320 | 25.0% |
| Georgia | $1,178 | -$100 | -7.8% |
| Hawaii | $916 | -$362 | -28.3% |
| Idaho | $864 | -$414 | -32.4% |
| Illinois | $950 | -$328 | -25.7% |
| Indiana | $960 | -$318 | -24.9% |
| Iowa | $860 | -$418 | -32.7% |
| Kansas | $1,212 | -$66 | -5.2% |
| Kentucky | $1,742 | $464 | 36.3% |
| Louisiana | $1,890 | $612 | 47.9% |
| Maine | $788 | -$490 | -38.3% |
| Maryland | $1,052 | -$226 | -17.7% |
| Massachusetts | $1,022 | -$256 | -20.0% |
| Michigan | $2,218 | $940 | 73.6% |
| Minnesota | $1,068 | -$210 | -16.4% |
| Mississippi | $1,528 | $250 | 19.6% |
| Missouri | $1,132 | -$146 | -11.4% |
| Montana | $1,370 | $92 | 7.2% |
| Nebraska | $1,008 | -$270 | -21.1% |
| Nevada | $1,530 | $252 | 19.7% |
| New Hampshire | $920 | -$358 | -28.0% |
| New Jersey | $1,426 | $148 | 11.6% |
| New Mexico | $1,130 | -$148 | -11.6% |
| New York | $1,344 | $66 | 5.2% |
| North Carolina | $736 | -$542 | -42.4% |
| North Dakota | $1,046 | -$232 | -18.2% |
| Ohio | $882 | -$396 | -31.0% |
| Oklahoma | $1,312 | $34 | 2.7% |
| Oregon | $1,170 | -$108 | -8.5% |
| Pennsylvania | $1,218 | -$60 | -4.7% |
| Rhode Island | $1,704 | $426 | 33.3% |
| South Carolina | $1,156 | -$122 | -9.5% |
| South Dakota | $1,078 | -$200 | -15.6% |
| Tennessee | $1,118 | -$160 | -12.5% |
| Texas | $1,540 | $262 | 20.5% |
| Utah | $944 | -$334 | -26.1% |
| Vermont | $874 | -$404 | -31.6% |
| Virginia | $764 | -$514 | -40.2% |
| Washington | $986 | -$292 | -22.8% |
| West Virginia | $1,170 | -$108 | -8.5% |
| Wisconsin | $884 | -$394 | -30.8% |
| Wyoming | $1,138 | -$140 | -11.0% |
Opting for high physical damage deductibles can save as much as $450 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 additional every year, depending on your age. Honda Insight insurance for high-risk drivers ranges around 42% to 131% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Insight LX | $1,240 | $103 |
| Honda Insight EX | $1,278 | $107 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Honda Insight | $248 | $524 | $416 | $1,346 |
| 2021 Honda Insight | $240 | $502 | $430 | $1,330 |
| 2020 Honda Insight | $226 | $484 | $442 | $1,310 |
| 2019 Honda Insight | $218 | $450 | $452 | $1,278 |
| 2018 Honda Insight | $208 | $424 | $456 | $1,246 |
| 2010 Honda Insight | $140 | $214 | $474 | $986 |
Rates are averaged for all Honda Insight models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Honda Insight Insurance
Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a good credit history, being claim-free, and consideration of higher deductibles. Invest time comparing rates every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a summary of the material that was covered in the charts and tables above.
- Consumers who purchase higher liability limits will pay around $500 annually to raise limits from a 30/60 limit to 250/500 limits
- Teens are the costliest to insure, possibly costing $414 each month including comprehensive and collision insurance
- Drivers who have multiple accidents or major violations may pay on average $1,510 more per year for Insight insurance
- Increasing comprehensive and collision deductibles can save around $450 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,966 |
| 20 | $2,982 |
| 30 | $1,318 |
| 40 | $1,278 |
| 50 | $1,170 |
| 60 | $1,148 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,574 |
| $250 | $1,436 |
| $500 | $1,278 |
| $1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,368 |
| 100/300 | $1,481 |
| 250/500 | $1,775 |
| 100 CSL | $1,414 |
| 300 CSL | $1,662 |
| 500 CSL | $1,843 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,066 |
| 20 | $4,756 |
| 30 | $2,832 |
| 40 | $2,786 |
| 50 | $2,666 |
| 60 | $2,642 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $67 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $92 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $56 |
| Advance Quote | $63 |
| Online Quote | $90 |
| Total Discounts | $541 |
Discounts are estimated and may not be available from every company or in every state.
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