Honda Insight Insurance Rates

U.S. average insurance rates for a Honda Insight are $1,278 a year including full coverage. Comprehensive insurance costs an estimated $218, collision costs $450, and liability insurance is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing $2,786 or more. Teens pay the highest rates at $4,966 a year or more.

Average premium for full coverage: $1,278

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Insight trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change insurance prices.

The ranges above highlight why anyone shopping for car insurance should get quotes for a targeted area, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $737
• Choosing higher $1,000 deductibles can save approximately $152 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,278
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $296 a year
• High-risk insureds with serious driving violations could pay up to $2,786 or more
• The price that insures a teen driver with full coverage can cost as much as $4,966 each year

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Insurance prices for a Honda Insight are also quite variable based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 131% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda Insight insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,820 on average in Louisiana, New York, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles can save as much as $450 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, and prices may be quite different.

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 Affordable Honda Insight Insurance

Getting lower rates on Honda Insight insurance takes being a good driver, having a good credit score, being claim-free, and maximizing policy discounts. Compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a brief review of the information illustrated above.

• You may be able to save approximately $150 per year simply by shopping early and online
• Drivers age 16 to 20 are expensive to insure, possibly costing $414 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $450 each year
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,510 more annually than a safer driver
• Drivers who want an increased level of liability coverage will pay approximately $500 per year to raise limits from a low limit to the 250/500 level