Honda Insight Insurance Rates
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UPDATED: Jun 3, 2024
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U.S. average insurance rates for a Honda Insight are $1,310 a year with full coverage. Comprehensive insurance costs an estimated $226 each year, collision insurance costs $484, and liability is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs $2,866 or more. Teenage drivers pay the highest rates at up to $5,076 a year.
Average premium for full coverage: $1,310
Price estimates broken down by individual coverage:
Rates are based on $500 deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Insight models.
Price Range from Low to High
Using a middle-aged driver as an example, Honda Insight insurance prices range from the low end price of $496 for just liability insurance to a high rate of $2,866 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities. The graphic below illustrates how where you live affects insurance prices.
The ranges above demonstrate why all drivers should compare rates quotes for a targeted area, instead of making a decision based on average rates.
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.
More Rate Details
The chart below details average Honda Insight insurance rates for other coverage scenarios.
- The best discount rate is $752
- Raising to $1,000 deductibles will save approximately $160 annually
- The estimated price for the average middle-age driver who has $500 deductibles is $1,310
- Using low deductibles will cost an additional $316 annually
- Drivers who are prone to accidents and violations could pay up to $2,866
- The price that insures a 16-year-old driver can cost as much as $5,076
Insurance prices for a Honda Insight are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you may be forking out $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 136% more than a normal policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age
The state you live in also has a big influence on Honda Insight insurance prices. A middle-age driver might find prices as low as $950 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,770 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,186 | -$124 | -9.5% |
| Alaska | $1,008 | -$302 | -23.1% |
| Arizona | $1,090 | -$220 | -16.8% |
| Arkansas | $1,310 | -$0 | 0.0% |
| California | $1,494 | $184 | 14.0% |
| Colorado | $1,252 | -$58 | -4.4% |
| Connecticut | $1,348 | $38 | 2.9% |
| Delaware | $1,484 | $174 | 13.3% |
| Florida | $1,640 | $330 | 25.2% |
| Georgia | $1,210 | -$100 | -7.6% |
| Hawaii | $942 | -$368 | -28.1% |
| Idaho | $888 | -$422 | -32.2% |
| Illinois | $976 | -$334 | -25.5% |
| Indiana | $988 | -$322 | -24.6% |
| Iowa | $884 | -$426 | -32.5% |
| Kansas | $1,246 | -$64 | -4.9% |
| Kentucky | $1,788 | $478 | 36.5% |
| Louisiana | $1,942 | $632 | 48.2% |
| Maine | $808 | -$502 | -38.3% |
| Maryland | $1,082 | -$228 | -17.4% |
| Massachusetts | $1,050 | -$260 | -19.8% |
| Michigan | $2,278 | $968 | 73.9% |
| Minnesota | $1,098 | -$212 | -16.2% |
| Mississippi | $1,570 | $260 | 19.8% |
| Missouri | $1,162 | -$148 | -11.3% |
| Montana | $1,410 | $100 | 7.6% |
| Nebraska | $1,034 | -$276 | -21.1% |
| Nevada | $1,572 | $262 | 20.0% |
| New Hampshire | $944 | -$366 | -27.9% |
| New Jersey | $1,466 | $156 | 11.9% |
| New Mexico | $1,160 | -$150 | -11.5% |
| New York | $1,382 | $72 | 5.5% |
| North Carolina | $754 | -$556 | -42.4% |
| North Dakota | $1,074 | -$236 | -18.0% |
| Ohio | $906 | -$404 | -30.8% |
| Oklahoma | $1,346 | $36 | 2.7% |
| Oregon | $1,202 | -$108 | -8.2% |
| Pennsylvania | $1,252 | -$58 | -4.4% |
| Rhode Island | $1,750 | $440 | 33.6% |
| South Carolina | $1,186 | -$124 | -9.5% |
| South Dakota | $1,106 | -$204 | -15.6% |
| Tennessee | $1,150 | -$160 | -12.2% |
| Texas | $1,580 | $270 | 20.6% |
| Utah | $972 | -$338 | -25.8% |
| Vermont | $896 | -$414 | -31.6% |
| Virginia | $786 | -$524 | -40.0% |
| Washington | $1,014 | -$296 | -22.6% |
| West Virginia | $1,202 | -$108 | -8.2% |
| Wisconsin | $908 | -$402 | -30.7% |
| Wyoming | $1,170 | -$140 | -10.7% |
Using high physical damage deductibles can reduce prices by up to $480 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Insight LX | $1,274 | $106 |
| Honda Insight EX | $1,310 | $109 |
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 | $256 | $536 | $398 | $1,348 |
| 2021 Honda Insight | $248 | $524 | $416 | $1,346 |
| 2020 Honda Insight | $240 | $502 | $430 | $1,330 |
| 2019 Honda Insight | $226 | $484 | $442 | $1,310 |
| 2018 Honda Insight | $218 | $450 | $452 | $1,278 |
| 2010 Honda Insight | $148 | $236 | $474 | $1,016 |
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 the Best Cheap Honda Insight Insurance
Getting lower rates on insurance for a Honda Insight consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices every time your policy renews by getting quotes from direct companies, and also from insurance agencies where you live.
The following is a quick review of the information touched on in the above illustrations.
- You may be able to save approximately $160 per year just by quoting online in advance
- Teens are expensive to insure, costing up to $423 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles can save approximately $475 each year
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,560 more annually for Insight insurance
- Insureds who want higher liability limits will pay an extra $490 every year to raise from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,076 |
| 20 | $3,068 |
| 30 | $1,358 |
| 40 | $1,310 |
| 50 | $1,202 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,626 |
| $250 | $1,478 |
| $500 | $1,310 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,310 |
| 50/100 | $1,398 |
| 100/300 | $1,509 |
| 250/500 | $1,796 |
| 100 CSL | $1,443 |
| 300 CSL | $1,686 |
| 500 CSL | $1,863 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,226 |
| 20 | $4,898 |
| 30 | $2,918 |
| 40 | $2,866 |
| 50 | $2,740 |
| 60 | $2,718 |
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 | $69 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $59 |
| Advance Quote | $65 |
| Online Quote | $92 |
| Total Discounts | $558 |
Discounts are estimated and may not be available from every company or in every state.
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