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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Average auto insurance rates for a Honda Insight are $1,246 annually with full coverage. Comprehensive costs on average $208, collision costs $424, and liability is $456. A liability-only policy costs around $508 a year, with high-risk insurance costing around $2,718. Teen drivers receive the highest rates at $4,874 a year or more.
Average premium for full coverage: $1,246
Rate estimates by individual coverage type:
Prices include $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all Insight models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $508 for just the minimum liability insurance to the much higher price of $2,718 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have fewer collision claims than larger metro areas.
The example below illustrates how geographic area affects car insurance rates.
These examples demonstrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.
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 Rate Analysis
The chart below details estimated Honda Insight insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $721
- Raising to $1,000 deductibles will save around $144 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,246
- Choosing pricier low deductibles will cost $1,526
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,718 or more
- The cost with full coverage for a 16-year-old driver for full coverage may cost $4,874
Insurance rates for a Honda Insight can also vary considerably based on the trim level of your Insight, your driving record, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 extra per year, depending on your age. Honda Insight insurance for high-risk drivers is expensive and can cost from 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $430 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Honda Insight insurance prices. A middle-age driver might find rates as low as $900 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,680 on average in Florida, Michigan, and New York.
| 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 so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so the rates can be significantly different between companies.
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 Buy the Right Honda Insight Insurance
Saving money on insurance for a Honda Insight consists of not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and bundling your home and auto policies. Invest the time to compare rates every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a quick rundown of the information presented in the illustrations above.
- You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
- Teens pay the highest rates, with premiums as much as $406 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $425 each year
- Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,470 more each year for Insight insurance
- Insureds who require higher liability limits will pay about $500 every year to raise from a minimum limit to higher 250/500 limits
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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