Honda Insight Insurance Rates

The average insurance rates for a Honda Insight are $1,278 a year including full coverage. Comprehensive costs approximately $218 a year, collision insurance costs $450, and liability coverage is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs around $2,786. 16-year-old drivers cost the most to insure at up to $4,966 a year.

Average premium for full coverage: $1,278

Policy rates by type of insurance:

Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Insight trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location and risk profile, rather than using rate averages.

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

Rate Comparisons

The chart below breaks down average Honda Insight insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $737
• Choosing higher $1,000 deductibles can save $1,126 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,278
• Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,574
• Drivers with multiple tickets or accidents could pay around $2,786
• Policy cost for full coverage for a teenage driver can cost $4,966 each year

View Chart as Image

Insurance rates for a Honda Insight also range considerably based on your risk profile, the model of your Insight, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state 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 at least $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $450 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges around 42% to 131% more than the average rate. View High Risk Driver Rates

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 the Best Honda Insight Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having a good credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates every time your policy renews by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a brief recap of the information presented in the illustrations above.

• You may be able to save around $150 per year just by quoting early and online
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $414 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $450 each year
• Drivers who tend to receive serious violations could be forced to pay on average $1,510 more per year to buy Honda Insight insurance
• Consumers who purchase increased levels of liability coverage will pay around $500 per year to raise limits from a 30/60 limit to 250/500 limits