Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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Average auto insurance rates for a Honda Insight are $1,278 annually including full coverage. Comprehensive costs an estimated $218 a year, collision costs $450, and liability insurance costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing around $2,786. Teen drivers receive the highest rates at $4,966 a year or more.

Average premium for full coverage: $1,278

Rate estimates broken down by individual coverage type:

Comprehensive $218
Collision $450
Liability $452

Prices are based on $500 deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Insight trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as cheap as $504 for the bare minimum liability coverage to a high of $2,786 for a driver required to buy high-risk insurance.

Liability Only $504
Full Coverage $1,278
High Risk $2,786

Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine insurance prices.

Rural Areas $959
Small Cities $1,342
Large Cities $1,725

These examples highlight why it is important to compare rates for a targeted area and their own personal driving habits, rather than relying on price 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.

Additional Rate Information

The chart below breaks down estimated Honda Insight insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $737
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,126 every year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,278
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,574
  • High risk drivers with multiple violations and an at-fault accident could pay up to $2,786 or more
  • The cost with full coverage for a teen driver can cost as much as $4,966 a year

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing full coverage Honda Insight insurance rates range from $737 to $4,966

Auto insurance rates for a Honda Insight can also vary considerably based on the trim level of your Insight, your driving characteristics, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,500 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $450 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Honda Insight insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,820 on average in Louisiana, New York, and Michigan.

Honda Insight Insurance Rates by State
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%

View Chart as Image

Honda Insight insurance rates by U.S. city

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, and quoted rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Honda Insight Insurance Rates by Model and Trim Level
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.

Honda Insight Insurance Rates by Model Year
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 Buy Affordable Honda Insight Insurance

Saving money on Honda Insight insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates at every policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following is a brief review of the data covered in the charts and tables above.

  • Drivers who want higher liability limits will pay about $500 per year to go from a minimum limit to higher 250/500 limits
  • You may be able to save approximately $150 per year simply by quoting early and online
  • Increasing deductibles could save up to $450 each year
  • Teens are the costliest to insure, as much as $414 per month if full coverage is included

Rates by Driver Age

Honda Insight Insurance 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

Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,574
$250 $1,436
$500 $1,278
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
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

Honda Insight Insurance 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.

SR-22 Surcharge $182

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
Rate after discounts $737

Discounts are estimated and may not be available from every company or in every state.

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