Honda Insight Insurance Rates

The average insurance prices for a Honda Insight are $1,310 every 12 months including full coverage. Comprehensive costs approximately $226, collision insurance costs $484, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs around $2,866. Teenage drivers cost the most to insure at up to $5,076 a year.

Average premium for full coverage: $1,310

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all Insight models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why everyone should compare rates using their specific location and their own driving history, rather than using average rates.

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

More Rate Information

The chart below breaks down average Honda Insight insurance rates for additional coverage and risk scenarios.

• The best discount rate is $752
• Drivers who choose higher $1,000 deductibles will pay $160 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,310
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,626
• High-risk insureds who are prone to accidents and violations could pay around $2,866
• Policy cost to insure a teenage driver for full coverage can cost $5,076 a year

View Chart as Image

Car insurance rates for a Honda Insight also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Insight.

Using high physical damage deductibles could save up to $480 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Honda Insight insurance for high-risk drivers can cost around 43% to 136% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Honda Insight insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,870 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Shop for Cheaper Honda Insight Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Set aside time to compare rates at every other renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a condensed summary of the concepts that were covered above.

• Drivers with multiple at-fault accidents could be charged and average of $1,560 more per year for auto insurance
• Teenage drivers pay the highest auto insurance rates, with premiums being up to $423 each month if the policy includes full coverage
• You may be able to save around $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• You may be able to save around $160 per year just by quoting online well ahead of the renewal date