Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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The average insurance rates for a Honda Insight are $1,278 a year for full coverage. Comprehensive insurance costs on average $218, collision costs $450, and liability coverage costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing $2,786 or more. 16-year-old drivers cost the most to insure at $4,966 a year or more.

Average premium for full coverage: $1,278

Policy rates by type of insurance:

Comprehensive $218
Collision $450
Liability $452

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different Insight trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Honda Insight insurance rates go from as low as $504 for minimum levels of liability insurance to a much higher rate of $2,786 for a driver required to buy high-risk insurance.

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

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

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

The examples above show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using rate 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 Details

The chart below shows estimated Honda Insight insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $737
  • Using higher $1,000 deductibles will save around $152 a year
  • The average rate for a good driver age 40 with $500 deductibles is $1,278
  • Buying more expensive low deductibles for physical damage coverage will cost an extra $296 each year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,786 or more
  • Policy cost for full coverage for a teenage driver with full coverage may cost $4,966 or more

View Chart as Image

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

Car insurance rates for a Honda Insight also range considerably based on your risk profile, the trim level of your Insight, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $4,900 a year. View Rates by Age

Your home state has a huge impact on Honda Insight insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Idaho, Maine, and Iowa, or at least $1,820 on average in Michigan, Louisiana, and New York.

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

Opting for high physical damage deductibles could cut rates by as much as $450 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be around 42% to 131% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

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 Find Low Cost Honda Insight Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The list below is a review of the data raised in the charts and tables above.

  • Consumers who require higher liability limits will pay around $500 each year to increase from a 30/60 limit to 250/500 limits
  • Drivers can save as much as $150 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $450 each year
  • Teenagers are expensive to insure, costing up to $414 each 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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