Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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U.S. average auto insurance rates for a Honda Insight are $1,278 annually including full coverage. Comprehensive costs on average $218, collision costs $450, and liability coverage costs around $452. Liability-only insurance costs as low as $504 a year, with high-risk driver insurance costing around $2,786. Teens pay the highest rates at $4,966 a year or more.

Average premium for full coverage: $1,278

Price estimates by individual coverage:

Comprehensive $218
Collision $450
Liability $452

Rate estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Insight trim levels.

Price Range from Low to High

For a 40-year-old driver, Honda Insight insurance prices go from as cheap as $504 for just the minimum liability insurance to a much higher rate of $2,786 for a driver who has had serious violations or accidents.

Liability Only $504
Full Coverage $1,278
High Risk $2,786

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change car insurance rates.

Rural Areas $959
Small Cities $1,342
Large Cities $1,725

The ranges above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than using averaged prices.

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.

Additional Rate Analysis

The chart below breaks down estimated Honda Insight insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $737
  • Using higher $1,000 deductibles will save around $152 every year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,278
  • Selecting more expensive low deductibles for physical damage coverage will cost $1,574
  • Higher-risk drivers with serious driving violations could pay upwards of $2,786 or more
  • The price with full coverage for a teenage driver with full coverage may cost $4,966 or more

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing full coverage Honda Insight insurance rates range from $737 to $4,966

Car insurance prices for a Honda Insight are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can be around 42% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $450 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Honda Insight insurance rates. A driver around age 40 might see prices as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,820 on average in Michigan, New York, and Louisiana.

Honda Insight Insurance Rates by State
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%

View Chart as Image

Honda Insight insurance rates by U.S. city

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Each insurance company calculates prices differently, so rate quotes may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Honda Insight Insurance Rates by Model and Trim Level
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.

Honda Insight Insurance Rates by Model Year
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 Buy the Best Honda Insight Insurance

Getting lower rates on auto insurance requires having a good driving record, having a good credit score, being claim-free, and maximizing policy discounts. Invest the time to shop around every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a brief recap of the ideas that were illustrated above.

  • Drivers age 20 and younger are expensive to insure, possibly costing $414 a month if comprehensive and collision insurance is included
  • Drivers who tend to receive serious violations pay on average $1,510 more each year to buy Honda Insight insurance
  • Increasing physical damage deductibles could save up to $450 each year
  • You may be able to save as much as $150 per year simply by shopping early and online

Rates by Driver Age

Honda Insight Insurance 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

Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,574
$250 $1,436
$500 $1,278
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
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

Honda Insight Insurance 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.

SR-22 Surcharge $182

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
Rate after discounts $737

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

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