Honda Insight Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 3, 2024
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The average auto insurance rates for a Honda Insight are $1,246 annually including full coverage. Comprehensive insurance costs approximately $208, collision insurance costs $424, and liability insurance is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs $2,718 or more. Teen drivers cost the most to insure at up to $4,874 a year.
Average premium for full coverage: $1,246
Policy rates by type of insurance:
Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Insight trim levels.
Price Range Variability
For a driver in their 40's, Honda Insight insurance rates range from as cheap as $508 for liability-only coverage to a much higher rate of $2,718 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance prices.
The examples above highlight why anyone shopping for car insurance should compare rates quotes using their specific location 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 Charts and Tables
The chart below breaks down average Honda Insight insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $721
- Raising to $1,000 deductibles will save $144 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,246
- Choosing more expensive low deductibles costs an additional $280 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,718
- Policy cost with full coverage for a teen driver with full coverage can cost $4,874
Insurance rates for a Honda Insight also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $430 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Honda Insight insurance rates. A middle-age driver might find rates as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,780 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,126 | -$120 | -9.6% |
| Alaska | $956 | -$290 | -23.3% |
| Arizona | $1,036 | -$210 | -16.9% |
| Arkansas | $1,246 | -$0 | 0.0% |
| California | $1,420 | $174 | 14.0% |
| Colorado | $1,192 | -$54 | -4.3% |
| Connecticut | $1,280 | $34 | 2.7% |
| Delaware | $1,410 | $164 | 13.2% |
| Florida | $1,558 | $312 | 25.0% |
| Georgia | $1,148 | -$98 | -7.9% |
| Hawaii | $896 | -$350 | -28.1% |
| Idaho | $842 | -$404 | -32.4% |
| Illinois | $930 | -$316 | -25.4% |
| Indiana | $940 | -$306 | -24.6% |
| Iowa | $840 | -$406 | -32.6% |
| Kansas | $1,184 | -$62 | -5.0% |
| Kentucky | $1,700 | $454 | 36.4% |
| Louisiana | $1,844 | $598 | 48.0% |
| Maine | $770 | -$476 | -38.2% |
| Maryland | $1,028 | -$218 | -17.5% |
| Massachusetts | $996 | -$250 | -20.1% |
| Michigan | $2,166 | $920 | 73.8% |
| Minnesota | $1,042 | -$204 | -16.4% |
| Mississippi | $1,492 | $246 | 19.7% |
| Missouri | $1,106 | -$140 | -11.2% |
| Montana | $1,338 | $92 | 7.4% |
| Nebraska | $982 | -$264 | -21.2% |
| Nevada | $1,494 | $248 | 19.9% |
| New Hampshire | $898 | -$348 | -27.9% |
| New Jersey | $1,392 | $146 | 11.7% |
| New Mexico | $1,102 | -$144 | -11.6% |
| New York | $1,314 | $68 | 5.5% |
| North Carolina | $718 | -$528 | -42.4% |
| North Dakota | $1,018 | -$228 | -18.3% |
| Ohio | $860 | -$386 | -31.0% |
| Oklahoma | $1,280 | $34 | 2.7% |
| Oregon | $1,142 | -$104 | -8.3% |
| Pennsylvania | $1,190 | -$56 | -4.5% |
| Rhode Island | $1,662 | $416 | 33.4% |
| South Carolina | $1,130 | -$116 | -9.3% |
| South Dakota | $1,052 | -$194 | -15.6% |
| Tennessee | $1,090 | -$156 | -12.5% |
| Texas | $1,502 | $256 | 20.5% |
| Utah | $924 | -$322 | -25.8% |
| Vermont | $854 | -$392 | -31.5% |
| Virginia | $748 | -$498 | -40.0% |
| Washington | $964 | -$282 | -22.6% |
| West Virginia | $1,142 | -$104 | -8.3% |
| Wisconsin | $862 | -$384 | -30.8% |
| Wyoming | $1,110 | -$136 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Insight LX | $1,212 | $101 |
| Honda Insight EX | $1,246 | $104 |
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 | $240 | $502 | $430 | $1,330 |
| 2021 Honda Insight | $226 | $484 | $442 | $1,310 |
| 2020 Honda Insight | $218 | $450 | $452 | $1,278 |
| 2019 Honda Insight | $208 | $424 | $456 | $1,246 |
| 2018 Honda Insight | $200 | $380 | $460 | $1,198 |
| 2010 Honda Insight | $134 | $192 | $468 | $952 |
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 the Best Honda Insight Insurance
Finding cheaper rates on Honda Insight insurance consists of being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest time comparing rates every year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a brief recap of the coverage data covered in the charts and tables above.
- You may be able to save around $150 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $425 each year
- Teenage drivers are the costliest to insure, with premiums being up to $406 each month if they have full coverage
- High-risk drivers who tend to receive serious violations may have to pay on average $1,470 more per year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,874 |
| 20 | $2,908 |
| 30 | $1,286 |
| 40 | $1,246 |
| 50 | $1,142 |
| 60 | $1,122 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,526 |
| $250 | $1,394 |
| $500 | $1,246 |
| $1,000 | $1,102 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,246 |
| 50/100 | $1,337 |
| 100/300 | $1,451 |
| 250/500 | $1,748 |
| 100 CSL | $1,383 |
| 300 CSL | $1,634 |
| 500 CSL | $1,816 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,924 |
| 20 | $4,642 |
| 30 | $2,760 |
| 40 | $2,718 |
| 50 | $2,600 |
| 60 | $2,578 |
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 | $65 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $87 |
| Total Discounts | $525 |
Discounts are estimated and may not be available from every company or in every state.
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