Honda Insight Insurance Rates
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UPDATED: Jun 3, 2024
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Average insurance rates for a Honda Insight are $1,278 a year including full coverage. Comprehensive insurance costs approximately $218 each year, collision costs $450, and liability coverage costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing $2,786 or more. Teen drivers receive the highest rates at $4,966 a year or more.
Average premium for full coverage: $1,278
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Insight models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $504 for basic liability insurance to a high rate of $2,786 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how where you live affects auto insurance prices.
These examples highlight why all drivers should compare prices using their specific location and risk profile, rather than using 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.
Rate Comparisons
The chart below breaks down estimated Honda Insight insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $737
- Using higher $1,000 deductibles will save $152 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,278
- Choosing low deductibles for physical damage coverage will cost an extra $296 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,786 or more
- The cost for full coverage for a teenage driver can cost $4,966 or more
Insurance rates for a Honda Insight can also vary considerably based on your driver profile, the model of your Insight, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age
Where you live has a huge impact on Honda Insight insurance rates. A driver around age 40 might see rates as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,820 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,154 | -$124 | -9.7% |
| Alaska | $978 | -$300 | -23.5% |
| Arizona | $1,058 | -$220 | -17.2% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,454 | $176 | 13.8% |
| Colorado | $1,220 | -$58 | -4.5% |
| Connecticut | $1,314 | $36 | 2.8% |
| Delaware | $1,444 | $166 | 13.0% |
| Florida | $1,598 | $320 | 25.0% |
| Georgia | $1,178 | -$100 | -7.8% |
| Hawaii | $916 | -$362 | -28.3% |
| Idaho | $864 | -$414 | -32.4% |
| Illinois | $950 | -$328 | -25.7% |
| Indiana | $960 | -$318 | -24.9% |
| Iowa | $860 | -$418 | -32.7% |
| Kansas | $1,212 | -$66 | -5.2% |
| Kentucky | $1,742 | $464 | 36.3% |
| Louisiana | $1,890 | $612 | 47.9% |
| Maine | $788 | -$490 | -38.3% |
| Maryland | $1,052 | -$226 | -17.7% |
| Massachusetts | $1,022 | -$256 | -20.0% |
| Michigan | $2,218 | $940 | 73.6% |
| Minnesota | $1,068 | -$210 | -16.4% |
| Mississippi | $1,528 | $250 | 19.6% |
| Missouri | $1,132 | -$146 | -11.4% |
| Montana | $1,370 | $92 | 7.2% |
| Nebraska | $1,008 | -$270 | -21.1% |
| Nevada | $1,530 | $252 | 19.7% |
| New Hampshire | $920 | -$358 | -28.0% |
| New Jersey | $1,426 | $148 | 11.6% |
| New Mexico | $1,130 | -$148 | -11.6% |
| New York | $1,344 | $66 | 5.2% |
| North Carolina | $736 | -$542 | -42.4% |
| North Dakota | $1,046 | -$232 | -18.2% |
| Ohio | $882 | -$396 | -31.0% |
| Oklahoma | $1,312 | $34 | 2.7% |
| Oregon | $1,170 | -$108 | -8.5% |
| Pennsylvania | $1,218 | -$60 | -4.7% |
| Rhode Island | $1,704 | $426 | 33.3% |
| South Carolina | $1,156 | -$122 | -9.5% |
| South Dakota | $1,078 | -$200 | -15.6% |
| Tennessee | $1,118 | -$160 | -12.5% |
| Texas | $1,540 | $262 | 20.5% |
| Utah | $944 | -$334 | -26.1% |
| Vermont | $874 | -$404 | -31.6% |
| Virginia | $764 | -$514 | -40.2% |
| Washington | $986 | -$292 | -22.8% |
| West Virginia | $1,170 | -$108 | -8.5% |
| Wisconsin | $884 | -$394 | -30.8% |
| Wyoming | $1,138 | -$140 | -11.0% |
Choosing high deductibles could cut rates by as much as $450 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be around 42% to 131% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Insight LX | $1,240 | $103 |
| Honda Insight EX | $1,278 | $107 |
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 | $248 | $524 | $416 | $1,346 |
| 2021 Honda Insight | $240 | $502 | $430 | $1,330 |
| 2020 Honda Insight | $226 | $484 | $442 | $1,310 |
| 2019 Honda Insight | $218 | $450 | $452 | $1,278 |
| 2018 Honda Insight | $208 | $424 | $456 | $1,246 |
| 2010 Honda Insight | $140 | $214 | $474 | $986 |
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 Find More Affordable Honda Insight Insurance
Saving money on auto insurance requires avoiding accidents and claims, maintaining good credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at every other renewal by getting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
The points below are a summary of the concepts that were touched on in the above illustrations.
- Drivers who have multiple accidents or major violations could be forced to pay on average $1,510 more per year to insure a Honda Insight
- Drivers under the age of 20 are expensive to insure, as much as $414 per month for full coverage
- You may be able to save around $150 per year simply by quoting online in advance
- Increasing deductibles can save around $450 each year
- You may be able to save around $150 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,966 |
| 20 | $2,982 |
| 30 | $1,318 |
| 40 | $1,278 |
| 50 | $1,170 |
| 60 | $1,148 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,574 |
| $250 | $1,436 |
| $500 | $1,278 |
| $1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,368 |
| 100/300 | $1,481 |
| 250/500 | $1,775 |
| 100 CSL | $1,414 |
| 300 CSL | $1,662 |
| 500 CSL | $1,843 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,066 |
| 20 | $4,756 |
| 30 | $2,832 |
| 40 | $2,786 |
| 50 | $2,666 |
| 60 | $2,642 |
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 | $67 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $92 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $56 |
| Advance Quote | $63 |
| Online Quote | $90 |
| Total Discounts | $541 |
Discounts are estimated and may not be available from every company or in every state.
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