Honda Insight Insurance Rates

Estimated insurance rates for a Honda Insight are $1,246 a year for full coverage. Comprehensive insurance costs approximately $208 a year, collision costs $424, and liability insurance costs around $456. A policy with only liability insurance costs as low as $508 a year, with a high-risk policy costing $2,718 or more. Teenage drivers pay the most at $4,874 a year or more.

Average premium for full coverage: $1,246

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Insight trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These rate differences show why it is important to compare prices using their specific location and risk profile, rather than relying on 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 additional coverage and risk scenarios.

• The best discount rate is $721
• Using higher $1,000 deductibles will save $1,102 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,246
• Using low $100 deductibles for physical damage coverage will cost an extra $280 a year
• Drivers who are prone to accidents and violations could pay around $2,718 or more
• An auto insurance policy for full coverage for a teen driver can cost $4,874 or more

View Chart as Image

Car insurance prices for a Honda Insight also have a wide range based on your driving characteristics, the trim level of your Insight, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $4,800 a year. View Rates by Age

Where you choose to live 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 each year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.

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 Low Cost Honda Insight Insurance

Finding better rates on Honda Insight insurance requires being safe and accident-free, having above-average credit, not filing small claims, and avoiding coverage lapses. Take the time to compare rates at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a review of the data covered in the above illustrations.

• Drivers who purchase more liability protection will pay an extra $500 each year to increase from 30/60 bodily injury limits to 250/500 limits
• Drivers can save around $150 per year simply by quoting early and online
• Increasing policy deductibles can save around $425 each year
• Youthful drivers pay the highest auto insurance prices, as much as $406 per month if full coverage is included