Honda Insight Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 3, 2024
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U.S. average insurance rates for a Honda Insight are $1,278 a year with full coverage. Comprehensive insurance costs on average $218 each year, collision insurance costs $450, and liability costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs $2,786 or more. Teen drivers pay the highest rates at up to $4,966 a year.
Average premium for full coverage: $1,278
Price estimates by individual coverage:
Prices include $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Insight models.
Price Range from Low to High
For an average driver, Honda Insight insurance prices range from the low end price of $504 for liability-only coverage to a high rate of $2,786 for a high-risk insurance policy.
Geographic Price Range
Your location can have significant affects on auto insurance rates. Rural areas have lower incidents of collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.
The ranges above demonstrate why all drivers should compare rates based on a specific location, instead of using 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 Charts and Tables
The chart below details average Honda Insight insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $737
- Drivers who choose higher $1,000 deductibles will pay around $152 annually
- The estimated price for the average middle-age driver with $500 deductibles is $1,278
- Choosing low deductibles for comprehensive and collision insurance will cost an additional $296 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,786
- The price that insures a teen driver may cost $4,966 a year
Auto insurance prices for a Honda Insight are also quite variable based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 131% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age
The state you live in makes a big difference in Honda Insight insurance prices. A 40-year-old driver could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,720 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles could save up to $450 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit
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 the Right Honda Insight Insurance
Getting lower rates on car insurance not only requires having a good driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Shop around at least every other year by requesting rates from direct companies, and also from several local insurance agents.
The next list is a quick rundown of the car insurance concepts covered in the above illustrations.
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,510 more each year to buy Honda Insight insurance
- You may be able to save as much as $150 per year just by quoting online in advance
- Increasing physical damage deductibles can save approximately $450 each year
- Policyholders who require increased levels of liability coverage will pay about $500 every year to go from a low limit to the 250/500 level
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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