Honda Insight Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 3, 2024
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Estimated insurance prices for a Honda Insight are $1,246 every 12 months for full coverage. Comprehensive insurance costs approximately $208 a year, collision costs $424, and liability 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. Teens pay the most at $4,874 a year or more.
Average premium for full coverage: $1,246
Premium estimates by type of coverage:
Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Insight trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Honda Insight go from the cheapest price of $508 for liability-only coverage to a high of $2,718 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live can make a big difference on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects auto insurance prices.
These rate differences show why it is important to compare prices using their specific location and their own driving history, instead of making a decision based 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.
Additional Charts and Tables
The chart below shows estimated Honda Insight insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $721
- Using higher $1,000 deductibles will save $1,102 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,246
- Selecting low $100 deductibles for physical damage coverage costs an extra $280 annually
- High-risk insureds with serious driving violations could pay around $2,718 or more
- An auto insurance policy to insure a 16-year-old driver can cost $4,874 or more
Car insurance prices for a Honda Insight also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Insight.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $430 annually, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, 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 from 43% to 134% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Honda Insight insurance prices. A driver around age 40 might see prices as low as $820 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,780 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,126 | -$120 | -9.6% |
| Alaska | $956 | -$290 | -23.3% |
| Arizona | $1,036 | -$210 | -16.9% |
| Arkansas | $1,246 | -$0 | 0.0% |
| California | $1,420 | $174 | 14.0% |
| Colorado | $1,192 | -$54 | -4.3% |
| Connecticut | $1,280 | $34 | 2.7% |
| Delaware | $1,410 | $164 | 13.2% |
| Florida | $1,558 | $312 | 25.0% |
| Georgia | $1,148 | -$98 | -7.9% |
| Hawaii | $896 | -$350 | -28.1% |
| Idaho | $842 | -$404 | -32.4% |
| Illinois | $930 | -$316 | -25.4% |
| Indiana | $940 | -$306 | -24.6% |
| Iowa | $840 | -$406 | -32.6% |
| Kansas | $1,184 | -$62 | -5.0% |
| Kentucky | $1,700 | $454 | 36.4% |
| Louisiana | $1,844 | $598 | 48.0% |
| Maine | $770 | -$476 | -38.2% |
| Maryland | $1,028 | -$218 | -17.5% |
| Massachusetts | $996 | -$250 | -20.1% |
| Michigan | $2,166 | $920 | 73.8% |
| Minnesota | $1,042 | -$204 | -16.4% |
| Mississippi | $1,492 | $246 | 19.7% |
| Missouri | $1,106 | -$140 | -11.2% |
| Montana | $1,338 | $92 | 7.4% |
| Nebraska | $982 | -$264 | -21.2% |
| Nevada | $1,494 | $248 | 19.9% |
| New Hampshire | $898 | -$348 | -27.9% |
| New Jersey | $1,392 | $146 | 11.7% |
| New Mexico | $1,102 | -$144 | -11.6% |
| New York | $1,314 | $68 | 5.5% |
| North Carolina | $718 | -$528 | -42.4% |
| North Dakota | $1,018 | -$228 | -18.3% |
| Ohio | $860 | -$386 | -31.0% |
| Oklahoma | $1,280 | $34 | 2.7% |
| Oregon | $1,142 | -$104 | -8.3% |
| Pennsylvania | $1,190 | -$56 | -4.5% |
| Rhode Island | $1,662 | $416 | 33.4% |
| South Carolina | $1,130 | -$116 | -9.3% |
| South Dakota | $1,052 | -$194 | -15.6% |
| Tennessee | $1,090 | -$156 | -12.5% |
| Texas | $1,502 | $256 | 20.5% |
| Utah | $924 | -$322 | -25.8% |
| Vermont | $854 | -$392 | -31.5% |
| Virginia | $748 | -$498 | -40.0% |
| Washington | $964 | -$282 | -22.6% |
| West Virginia | $1,142 | -$104 | -8.3% |
| Wisconsin | $862 | -$384 | -30.8% |
| Wyoming | $1,110 | -$136 | -10.9% |
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Each insurance company calculates prices differently, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Insight LX | $1,212 | $101 |
| Honda Insight EX | $1,246 | $104 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Honda Insight | $240 | $502 | $430 | $1,330 |
| 2021 Honda Insight | $226 | $484 | $442 | $1,310 |
| 2020 Honda Insight | $218 | $450 | $452 | $1,278 |
| 2019 Honda Insight | $208 | $424 | $456 | $1,246 |
| 2018 Honda Insight | $200 | $380 | $460 | $1,198 |
| 2010 Honda Insight | $134 | $192 | $468 | $952 |
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 Right Honda Insight Insurance
Finding better rates on insurance for a Honda Insight requires not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to shop around every other policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The following is a quick rundown of the ideas that were raised in the charts and tables above.
- Teens pay the highest auto insurance prices, as much as $406 per month if the policy includes full coverage
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,470 more per year for Insight insurance
- Increasing policy deductibles could save as much as $425 each year
- Drivers can save around $150 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,874 |
| 20 | $2,908 |
| 30 | $1,286 |
| 40 | $1,246 |
| 50 | $1,142 |
| 60 | $1,122 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,526 |
| $250 | $1,394 |
| $500 | $1,246 |
| $1,000 | $1,102 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,246 |
| 50/100 | $1,337 |
| 100/300 | $1,451 |
| 250/500 | $1,748 |
| 100 CSL | $1,383 |
| 300 CSL | $1,634 |
| 500 CSL | $1,816 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,924 |
| 20 | $4,642 |
| 30 | $2,760 |
| 40 | $2,718 |
| 50 | $2,600 |
| 60 | $2,578 |
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 | $65 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $87 |
| Total Discounts | $525 |
Discounts are estimated and may not be available from every company or in every state.
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