Honda Insight LX Insurance Rates

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Estimated insurance prices for a Honda Insight LX are $1,332 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $270, collision insurance costs $540, and liability coverage costs around $364. A liability-only policy costs as low as $430 a year, and high-risk insurance costs $2,890 or more. Teen drivers pay the most at up to $4,986 a year.

Annual premium for full coverage: $1,332

Premium estimates by type of insurance:

Comprehensive $270
Collision $540
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Honda Insight Trim Level

For the average driver, insurance rates for a Honda Insight LX range from the cheapest price of $430 for liability-only coverage to a much higher rate of $2,890 for a driver that may need high-risk insurance.

Liability Only $430
Full Coverage $1,332
High Risk $2,890

These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than using price averages.

Use the form below to get rates for your location.

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Auto insurance rates for a Honda Insight LX also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the replacement cost of your Insight.

Choosing high deductibles could cut rates by as much as $550 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance can be around 44% to 134% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Honda Insight LX insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

With such a large range of rates, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be substantially different.

View Chart as Image

Honda Insight LX insurance cost comparison chart
Column chart showing Honda Insight LX insurance prices range from $764 to $4,986 for full coverage

The chart estimates Honda Insight LX insurance rates for various coverage choices and risks. The cheapest rate with discounts is $764. Drivers who choose higher $1,000 deductibles will pay $1,150. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,332. Using more expensive $100 deductibles for physical damage coverage could cost up to $1,694. High risk drivers could be charged up to $2,890. The price for full coverage for a teenager can be as high as $4,986.

Honda Insight LX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,204 -$128 -9.6%
Alaska $1,022 -$310 -23.3%
Arizona $1,106 -$226 -17.0%
Arkansas $1,332 -$0 0.0%
California $1,518 $186 14.0%
Colorado $1,274 -$58 -4.4%
Connecticut $1,370 $38 2.9%
Delaware $1,508 $176 13.2%
Florida $1,666 $334 25.1%
Georgia $1,230 -$102 -7.7%
Hawaii $958 -$374 -28.1%
Idaho $902 -$430 -32.3%
Illinois $992 -$340 -25.5%
Indiana $1,004 -$328 -24.6%
Iowa $900 -$432 -32.4%
Kansas $1,268 -$64 -4.8%
Kentucky $1,818 $486 36.5%
Louisiana $1,974 $642 48.2%
Maine $824 -$508 -38.1%
Maryland $1,100 -$232 -17.4%
Massachusetts $1,066 -$266 -20.0%
Michigan $2,316 $984 73.9%
Minnesota $1,114 -$218 -16.4%
Mississippi $1,596 $264 19.8%
Missouri $1,182 -$150 -11.3%
Montana $1,432 $100 7.5%
Nebraska $1,052 -$280 -21.0%
Nevada $1,598 $266 20.0%
New Hampshire $962 -$370 -27.8%
New Jersey $1,490 $158 11.9%
New Mexico $1,180 -$152 -11.4%
New York $1,404 $72 5.4%
North Carolina $768 -$564 -42.3%
North Dakota $1,092 -$240 -18.0%
Ohio $918 -$414 -31.1%
Oklahoma $1,370 $38 2.9%
Oregon $1,220 -$112 -8.4%
Pennsylvania $1,270 -$62 -4.7%
Rhode Island $1,778 $446 33.5%
South Carolina $1,208 -$124 -9.3%
South Dakota $1,124 -$208 -15.6%
Tennessee $1,168 -$164 -12.3%
Texas $1,606 $274 20.6%
Utah $988 -$344 -25.8%
Vermont $912 -$420 -31.5%
Virginia $798 -$534 -40.1%
Washington $1,030 -$302 -22.7%
West Virginia $1,222 -$110 -8.3%
Wisconsin $924 -$408 -30.6%
Wyoming $1,188 -$144 -10.8%

View Chart as Image

Honda Insight LX insurance rates by U.S. city

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Rates by Driver Age

Honda Insight LX Insurance Rates by Driver Age
Driver Age Premium
16 $4,986
20 $3,098
30 $1,390
40 $1,332
50 $1,216
60 $1,194

Full coverage, $500 deductibles

Rates by Deductible

Honda Insight LX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,694
$250 $1,526
$500 $1,332
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight LX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,332
50/100 $1,405
100/300 $1,496
250/500 $1,732
100 CSL $1,441
300 CSL $1,641
500 CSL $1,787

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Insight LX Insurance Rates for High Risk Drivers
Age Premium
16 $7,114
20 $4,926
30 $2,956
40 $2,890
50 $2,760
60 $2,736

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.

SR-22 Surcharge $187

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $70
Homeowner $19
5-yr Accident Free $100
5-yr Claim Free $86
Paid in Full/EFT $62
Advance Quote $67
Online Quote $94
Total Discounts $568
Rate after discounts $764

Discounts are estimated and may not be available from every company or in every state.

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