Honda Insight Insurance Rates

The average auto insurance rates for a Honda Insight are $878 annually with full coverage. Comprehensive insurance costs approximately $116 a year, collision costs $162, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $1,890 or more. Teens cost the most to insure at $3,650 a year or more.

Average premium for full coverage: $878

Policy rates by type of insurance:

Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Insight trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance prices.

The examples above demonstrate why it is important to compare prices using their specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Details

The chart below details estimated Honda Insight insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $541
• Using higher $1,000 deductibles will save $814 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $878
• Selecting low $100 deductibles for physical damage coverage costs an additional $118 every year
• Drivers with serious driving violations could pay around $1,890 or more
• Policy cost with full coverage for a teen driver can cost $3,650 or more

View Chart as Image

Insurance rates for a Honda Insight also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $3,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,000 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 41% to 126% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $190 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Honda Insight insurance prices. A driver around age 40 might see rates as low as $640 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,190 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, so the rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2001 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 Buy the Right Honda Insight Insurance

Finding cheaper rates on car insurance requires being a good driver, having a good credit history, not filing small claims, and maximizing policy discounts. Make time to compare rates at every policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a quick rundown of the data touched on in this article.

• Policyholders who purchase an increased level of liability coverage will pay approximately $490 every year to increase from a 30/60 limit to higher 250/500 limits
• You may be able to save around $100 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $175 each year
• Drivers age 16 to 20 are expensive to insure, as much as $304 each month including comprehensive and collision insurance