2022 Honda Insight Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2024

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Are you drained from wondering where the money will come from to pay high auto insurance rates every month? Your situation is no different than the majority of other vehicle owners.

Numerous car insurance companies battle to insure your vehicles, so it’s not easy to compare every company to find the absolute lowest cost out there.

Consumers should take time to get comparison quotes once or twice a year since insurance prices fluctuate regularly. Even if you got the best rates for Insight insurance at your last renewal you can probably find a better premium rate now. Don’t believe everything you read about auto insurance out there, but in a few minutes you can learn some guaranteed methods to lower your auto insurance rates.

If you have car insurance now, you should be able to reduce your rates substantially using these tips. Buying car insurance is easy if you know what you’re doing. But vehicle owners do need to understand how companies sell online and apply this information to your search.

Components of your Honda Insight insurance premiums

Lots of factors are used in the calculation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, although others are not quite as obvious like where you live or your financial responsibility.

The factors shown below are some of the items that factor into rates.

  • Never have coverage lapses – Having a lapse in insurance coverage will be a sure-fire way to trigger a rate increase. And not only will your rates increase, the inability to provide proof of insurance might get you a fine, jail time, or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Age of drivers impacts prices – Drivers with little experience are proven to be inattentive and easily distracted when driving with friends so they pay higher insurance coverage rates. Older insureds tend to be more responsible, cause fewer claims and accidents and get fewer tickets.
  • Gender impacts costs – Statistics demonstrate females are less aggressive when driving. This data doesn’t prove that males are worse at driving than females. Both genders cause at-fault accidents in similar numbers, but the males tend to have higher claims. Men also statistically get ticketed for serious violations like DUI and reckless driving.
  • Safety first – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and lower injury rates means less claims paid and lower rates for you.
  • Do you need those extra coverages? – Policies have additional extra coverages you can purchase when buying insurance coverage. Coverages like coverage for rental cars, death and dismemberment, and term life insurance may be wasting your money. They may seem good when deciding what coverages you need, but if they’re wasting money remove them from your policy.
  • Poor driving habits means higher costs – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Having just one speeding ticket can increase rates by twenty percent. Drivers who have received dangerous violations such as DUI, reckless driving or excessive speeding may find that they have to to file a SR-22 with the DMV in their state in order to keep their license.
  • Lower premiums with theft deterrents – Owning a car that has a built-in theft deterrent system can help lower your premiums. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent your vehicle from being stolen.
  • Where do you drive? – Driving a lot of miles each year the more it will cost to insure it. Many insurance companies rate vehicles partially by how you use the vehicle. Cars and trucks used primarily for pleasure use can be on a lower rate level as compared to vehicles used primarily for driving to work. A policy that improperly rates your Insight may be wasting your money. Ask your agent if your declarations sheet correctly shows annual mileage.

Double check you’re getting with these discounts

Car insurance can cost a lot, but you can get discounts that could drop your premiums quite a bit. Certain credits will be shown when you complete an application, but some need to be specially asked for before you get the savings.

  • Bundled Policy Discount – If you can combine your home and auto policy and place coverage with the same company you could earn a discount of up to 20% off your total premium.
  • Low Mileage Discounts – Driving fewer miles may allow you to get cheaper premium rates.
  • Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Defensive Driver – Completing a course in defensive driving could earn you a small percentage discount and easily pay for the cost of the class.
  • Smart Student Discounts – Performing well in school may save you up to 25%. Most companies allow this discount up to age 25.
  • ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.

Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Large auto insurance companies and a partial list of their discounts are:

  • GEICO may include discounts for multi-policy, good student, five-year accident-free, military active duty, emergency military deployment, and anti-lock brakes.
  • SAFECO has savings for anti-lock brakes, safe driver, multi-car, anti-theft, homeowner, teen safety rewards, and accident prevention training.
  • State Farm policyholders can earn discounts including driver’s education, good student, defensive driving training, multiple policy, and multiple autos.
  • MetLife includes discounts for good driver, claim-free, good student, defensive driver, multi-policy, accident-free
  • 21st Century offers premium reductions for air bags, automatic seat belts, defensive driver, theft prevention, anti-lock brakes, student driver, and good student.
  • Progressive discounts include multi-vehicle, good student, continuous coverage, multi-policy, online signing, and online quote discount.

If you need lower rates, check with every insurance company which discounts you may be entitled to. All car insurance discounts might not be offered on policies in your area. To find providers who offer cheap auto insurance quotes, enter your zip code here.

Switch companies and save? Really?

Car insurance providers like Allstate and Progressive regularly use ads on TV and radio. All the companies have a common claim about saving some big amount just by switching your policy. But how can every company charge you less for auto insurance? Here is how they do it.

Insurance providers have a certain “appetite” for the type of driver they prefer to insure. One example of a profitable customer could be over age 30, has never had a claim, and drives less than 7,500 miles a year. Someone who meets those qualifications will get a cheap rate quote and will also save when they switch companies.

Drivers who don’t measure up to the requirements may receive a more expensive rate and the customer buying from someone else. If you pay attention, the ads say “drivers that switch” not “all people who quote” save money. This is how insurance companies can make claims like that. Because each company has a different risk profile, you really need to do a quote comparison often. Because you cannot predict which car insurance company will have the lowest rate quotes.

Your situation helps dictate your coverage

When it comes to buying the best auto insurance coverage, there is no cookie cutter policy. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help you determine whether you might need professional guidance.

  • Do I need to file an SR-22 for a DUI in my state?
  • What vehicles should carry emergency assistance coverage?
  • What is PIP insurance?
  • What discounts do I qualify for?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete your zip code.

Car insurance coverage specifics

Understanding the coverages of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average car insurance policy.

Collision protection

Collision insurance covers damage to your Insight from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, rolling your car, damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages

This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a deer, fire damage, a broken windshield and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage can cover damage that occurs to people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like pain and suffering, structural damage, medical services and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like pain medications, funeral costs, surgery, EMT expenses and dental work. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Don’t throw your cash in the trash

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There have been many situations where an accident victim reduced full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at a price you can afford.

There are still a few companies who don’t offer online price quotes and many times these smaller providers sell through local independent agencies. The cheapest 2022 Honda Insight insurance is definitely available both online and from local insurance agents, and you should compare rates from both so you have a total pricing picture.

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