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 $1,246 annually with full coverage. Comprehensive costs around $208 each year, collision costs $424, and liability is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing around $2,718. Teen drivers receive the highest rates at $4,874 a year or more.

Average premium for full coverage: $1,246

Rate estimates for individual coverage type:

Comprehensive $208
Collision $424
Liability $456

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Insight models.

Price Range by Coverage and Risk

For an average driver, prices range go from as cheap as $508 for the bare minimum liability coverage to a high rate of $2,718 for a high-risk insurance policy.

Liability Only $508
Full Coverage $1,246
High Risk $2,718

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $935
Small Cities $1,308
Large Cities $1,682

These examples demonstrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, 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 Rate Information

The chart below details estimated Honda Insight insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $721
  • Raising to $1,000 deductibles will save about $144 annually
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,246
  • Choosing low deductibles will cost $1,526
  • At-risk drivers with multiple violations and an at-fault accident could pay at least $2,718 or more
  • The cost with full coverage for a teen driver can be $4,874

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing full coverage Honda Insight insurance rates range from $721 to $4,874

Car insurance rates for a Honda Insight can also vary considerably based on the trim level of your Insight, your driving record, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $430 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Honda Insight insurance prices. A middle-age driver might find rates as low as $900 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,680 on average in Florida, Michigan, and New York.

Honda Insight Insurance Rates by State
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%

View Chart as Image

Honda Insight insurance rates by U.S. city

With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes 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 $1,212 $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.

Honda Insight Insurance Rates by Model Year
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 Cheap Honda Insight Insurance

Saving money on car insurance consists of avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at least every other year by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a brief summary of the car insurance concepts covered in the above illustrations.

  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,470 more every year for car insurance
  • You may be able to save up to $150 per year simply by quoting online in advance
  • Increasing deductibles could save up to $425 each year
  • Policyholders who may need higher liability limits will pay about $500 every year to raise from a minimum limit to higher 250/500 limits

Rates by Driver Age

Honda Insight Insurance 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

Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,526
$250 $1,394
$500 $1,246
$1,000 $1,102

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
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

Honda Insight Insurance 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.

SR-22 Surcharge $177

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
Rate after discounts $721

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

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