Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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The average insurance prices for a Honda Insight are $1,278 every 12 months with full coverage. Comprehensive insurance costs on average $218, collision insurance costs $450, and liability costs around $452. A liability-only policy costs as low as $504 a year, and high-risk insurance costs $2,786 or more. 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:

Comprehensive $218
Collision $450
Liability $452

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Insight models.

Price Range Variability

For the normal driver, Honda Insight insurance rates range from the cheapest price of $504 for liability-only coverage to the much higher price of $2,786 for high-risk insurance.

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

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities. The example below illustrates how geographic area affects car insurance rates.

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

The examples above demonstrate why everyone should compare prices based on a specific location and their own driving history, instead of making a decision based on 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 Charts and Tables

The chart below details average 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 annually
  • The average price for a good driver age 40 with $500 deductibles is $1,278
  • Buying pricier low deductibles for physical damage coverage costs an extra $296 annually
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,786
  • Policy cost to insure a 16-year-old driver for full coverage may cost $4,966 or more

View Chart as Image

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

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

Opting for high physical damage deductibles could cut rates by as much as $450 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. Honda Insight insurance for high-risk drivers can be from 42% to 131% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Honda Insight insurance prices. A driver around age 40 might see rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or at least $1,720 on average in Florida, Michigan, and New York.

Honda Insight Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,154 -$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

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 Shop for More Affordable Honda Insight Insurance

Finding cheaper rates on insurance for a Honda Insight requires having a decent driving record, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Invest the time to compare rates every couple of years by requesting quotes from direct companies, and also from local exclusive and independent agents.

The following items are a summary of the material that was presented in the illustrations above.

  • Insureds who require additional liability coverage will pay around $500 every year to increase from a 30/60 limit to a 250/500 level
  • 16 to 18-year-old drivers are expensive to insure, as much as $414 each month if the policy includes full coverage
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,510 more each year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles could save as much as $450 each year

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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