Honda Insight Insurance Rates

The average insurance rates for a Honda Insight are $1,246 a year for full coverage insurance. Comprehensive costs around $208, collision costs $424, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing around $2,718. Teenage drivers cost the most to insure at $4,874 a year or more.

Average premium for full coverage: $1,246

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Insight trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below illustrates estimated Honda Insight insurance rates for additional coverage choices and driver risks.

• The best discount rate is $721
• Raising to $1,000 deductibles will save about $144 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,246
• Using more expensive low deductibles will increase the cost to $1,526
• At-risk drivers who are prone to accidents and violations could pay at least $2,718 or more
• Policy cost for full coverage for a teen driver with full coverage can be $4,874

View Chart as Image

Auto insurance rates for a Honda Insight also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,800 a year. View Rates by Age

Your home state also has a big influence on Honda Insight insurance prices. A middle-age driver might find rates as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,680 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $430 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every 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 probably paying at least $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied 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 Cheap Honda Insight Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having good credit, being claim-free, and maximizing policy discounts. Take the time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief summary of the concepts that were covered in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,470 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, possibly costing $406 each month if they have full coverage
• It is possible to save up to $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $425 each year
• It is possible to save up to $150 per year simply by shopping early and online