Honda Insight Insurance Rates
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UPDATED: Jun 2, 2023
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The average insurance prices for a Honda Insight are $878 every 12 months including full coverage. Comprehensive insurance costs on average $116, collision costs $162, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $1,890 or more. Teens cost the most to insure at $3,650 a year or more.
Average premium for full coverage: $878
Policy rates by type of insurance:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Insight trim levels.
Price Range Variability
For a driver around age 40, Honda Insight insurance rates go from the cheapest price of $496 for your basic liability-only policy to a much higher rate of $1,890 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates the difference between rural and urban areas on car insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than relying on averaged prices.
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.
More Rate Information
The chart below breaks down estimated Honda Insight insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $541
- Raising to $1,000 deductibles will save around $64 every year
- The average price for a good driver age 40 with $500 deductibles is $878
- Selecting more expensive low deductibles costs an extra $118 a year
- Higher-risk drivers with serious driving violations could pay upwards of $1,890 or more
- Policy cost to insure a teen driver with full coverage may cost $3,650
Insurance rates for a Honda Insight also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Insight.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $190 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $3,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,000 to $1,500 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 126% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on Honda Insight insurance rates. A middle-age driver might find rates as low as $670 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,250 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $794 | -$84 | -9.6% |
| Alaska | $674 | -$204 | -23.2% |
| Arizona | $730 | -$148 | -16.9% |
| Arkansas | $878 | -$0 | 0.0% |
| California | $1,000 | $122 | 13.9% |
| Colorado | $838 | -$40 | -4.6% |
| Connecticut | $902 | $24 | 2.7% |
| Delaware | $992 | $114 | 13.0% |
| Florida | $1,098 | $220 | 25.1% |
| Georgia | $810 | -$68 | -7.7% |
| Hawaii | $630 | -$248 | -28.2% |
| Idaho | $594 | -$284 | -32.3% |
| Illinois | $654 | -$224 | -25.5% |
| Indiana | $660 | -$218 | -24.8% |
| Iowa | $592 | -$286 | -32.6% |
| Kansas | $836 | -$42 | -4.8% |
| Kentucky | $1,198 | $320 | 36.4% |
| Louisiana | $1,300 | $422 | 48.1% |
| Maine | $542 | -$336 | -38.3% |
| Maryland | $726 | -$152 | -17.3% |
| Massachusetts | $704 | -$174 | -19.8% |
| Michigan | $1,524 | $646 | 73.6% |
| Minnesota | $734 | -$144 | -16.4% |
| Mississippi | $1,052 | $174 | 19.8% |
| Missouri | $778 | -$100 | -11.4% |
| Montana | $944 | $66 | 7.5% |
| Nebraska | $692 | -$186 | -21.2% |
| Nevada | $1,052 | $174 | 19.8% |
| New Hampshire | $632 | -$246 | -28.0% |
| New Jersey | $980 | $102 | 11.6% |
| New Mexico | $776 | -$102 | -11.6% |
| New York | $926 | $48 | 5.5% |
| North Carolina | $504 | -$374 | -42.6% |
| North Dakota | $718 | -$160 | -18.2% |
| Ohio | $608 | -$270 | -30.8% |
| Oklahoma | $902 | $24 | 2.7% |
| Oregon | $804 | -$74 | -8.4% |
| Pennsylvania | $838 | -$40 | -4.6% |
| Rhode Island | $1,172 | $294 | 33.5% |
| South Carolina | $794 | -$84 | -9.6% |
| South Dakota | $742 | -$136 | -15.5% |
| Tennessee | $770 | -$108 | -12.3% |
| Texas | $1,056 | $178 | 20.3% |
| Utah | $652 | -$226 | -25.7% |
| Vermont | $600 | -$278 | -31.7% |
| Virginia | $526 | -$352 | -40.1% |
| Washington | $678 | -$200 | -22.8% |
| West Virginia | $804 | -$74 | -8.4% |
| Wisconsin | $608 | -$270 | -30.8% |
| Wyoming | $782 | -$96 | -10.9% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Insight LX | $862 | $72 |
| Honda Insight EX | $878 | $73 |
Rates assume 2001 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Honda Insight | $148 | $236 | $474 | $1,016 |
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 the Cheapest Honda Insight Insurance
Finding cheaper rates on Honda Insight insurance consists of being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.
Below you'll find a recap of the concepts that were covered above.
- High-risk drivers that have major violations or accidents may pay on average $1,010 more each year than a low-risk driver
- Youthful drivers pay higher rates, with premiums being up to $304 each month if full coverage is included
- You may be able to save as much as $100 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $175 each year
- You may be able to save as much as $100 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,650 |
| 20 | $2,022 |
| 30 | $886 |
| 40 | $878 |
| 50 | $808 |
| 60 | $792 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $996 |
| $250 | $942 |
| $500 | $878 |
| $1,000 | $814 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $878 |
| 50/100 | $966 |
| 100/300 | $1,077 |
| 250/500 | $1,364 |
| 100 CSL | $1,011 |
| 300 CSL | $1,254 |
| 500 CSL | $1,431 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,114 |
| 20 | $3,220 |
| 30 | $1,898 |
| 40 | $1,890 |
| 50 | $1,810 |
| 60 | $1,792 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $43 |
| Multi-vehicle | $48 |
| Homeowner | $16 |
| 5-yr Accident Free | $51 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $30 |
| Advance Quote | $37 |
| Online Quote | $58 |
| Total Discounts | $337 |
Discounts are estimated and may not be available from every company or in every state.
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