Honda Insight Insurance Rates

U.S. average insurance rates for a Honda Insight are $1,246 a year for full coverage. Comprehensive insurance costs an estimated $208 a year, collision costs $424, and liability coverage costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing $2,718 or more. Teenage drivers pay the highest rates at $4,874 a year or more.

Average premium for full coverage: $1,246

Price estimates broken down by individual coverage:

These estimates include $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Insight trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

The ranges above show why it is important to compare prices for a targeted area, rather than using average rates.

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

Detailed Rate Analysis

The chart below shows estimated Honda Insight insurance rates for other coverage scenarios.

• The best discount rate is $721
• Using higher $1,000 deductibles will save approximately $1,102 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,246
• Using low $100 deductibles for physical damage coverage will cost an additional $280 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,718 or more
• The price that insures a teenage driver can cost as much as $4,874 or more

View Chart as Image

Insurance prices for a Honda Insight are also quite variable based on the trim level of your Insight, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age

The state you live in has a huge impact on Honda Insight insurance rates. A driver around age 40 might see prices as low as $820 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,780 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $430 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, and prices may be quite different.

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 Cheap Honda Insight Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices once a year by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The following is a brief summary of the data that was presented in the illustrations above.

• Drivers can save approximately $150 per year simply by quoting early and online
• Consumers who want higher liability limits will pay an extra $500 each year to increase from a low limit to the 250/500 level
• Teens are expensive to insure, with premiums as much as $406 a month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations may pay on average $1,470 more annually for Insight insurance