Honda Insight Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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The average insurance prices for a Honda Insight are $878 every 12 months including full coverage. Comprehensive insurance costs approximately $116, collision insurance costs $162, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $1,890 or more. Teens cost the most to insure at up to $3,650 a year.

Average premium for full coverage: $878

Policy rates by type of insurance:

Comprehensive $116
Collision $162
Liability $442

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Insight models.

Price Range Variability

For a driver around age 40, Honda Insight insurance rates range from the cheapest price of $496 for liability-only coverage to the much higher price of $1,890 for a high-risk insurance policy.

Liability Only $496
Full Coverage $878
High Risk $1,890

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $659
Small Cities $922
Large Cities $1,185

The examples above highlight why everyone should get quotes using their specific location and their own driving history, instead of 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 Charts and Tables

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

  • The cheapest rate after discounts is $541
  • Choosing higher $1,000 deductibles can save $64 every year
  • The average price for a good driver age 40 who chooses $500 deductibles is $878
  • Selecting pricier low deductibles for comp and collision coverage costs an extra $118 every year
  • Unlucky drivers with serious driving violations could pay around $1,890
  • Policy cost to insure a teen driver for full coverage can cost $3,650 each year

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing Honda Insight insurance prices range from $541 to $3,650 for full coverage

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $190 every 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 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $3,600 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 $1,000 to $1,500 additional every year, depending on your age. Honda Insight insurance for high-risk drivers ranges as much as 41% to 126% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda Insight insurance prices. A good driver about age 40 could pay as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,250 on average in Louisiana, New York, and Michigan.

Honda Insight Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $794 -$84 -9.6%
Alaska $674 -$204 -23.2%
Arizona $730 -$148 -16.9%
Arkansas $878 -$0 0.0%
California $1,000 $122 13.9%
Colorado $838 -$40 -4.6%
Connecticut $902 $24 2.7%
Delaware $992 $114 13.0%
Florida $1,098 $220 25.1%
Georgia $810 -$68 -7.7%
Hawaii $630 -$248 -28.2%
Idaho $594 -$284 -32.3%
Illinois $654 -$224 -25.5%
Indiana $660 -$218 -24.8%
Iowa $592 -$286 -32.6%
Kansas $836 -$42 -4.8%
Kentucky $1,198 $320 36.4%
Louisiana $1,300 $422 48.1%
Maine $542 -$336 -38.3%
Maryland $726 -$152 -17.3%
Massachusetts $704 -$174 -19.8%
Michigan $1,524 $646 73.6%
Minnesota $734 -$144 -16.4%
Mississippi $1,052 $174 19.8%
Missouri $778 -$100 -11.4%
Montana $944 $66 7.5%
Nebraska $692 -$186 -21.2%
Nevada $1,052 $174 19.8%
New Hampshire $632 -$246 -28.0%
New Jersey $980 $102 11.6%
New Mexico $776 -$102 -11.6%
New York $926 $48 5.5%
North Carolina $504 -$374 -42.6%
North Dakota $718 -$160 -18.2%
Ohio $608 -$270 -30.8%
Oklahoma $902 $24 2.7%
Oregon $804 -$74 -8.4%
Pennsylvania $838 -$40 -4.6%
Rhode Island $1,172 $294 33.5%
South Carolina $794 -$84 -9.6%
South Dakota $742 -$136 -15.5%
Tennessee $770 -$108 -12.3%
Texas $1,056 $178 20.3%
Utah $652 -$226 -25.7%
Vermont $600 -$278 -31.7%
Virginia $526 -$352 -40.1%
Washington $678 -$200 -22.8%
West Virginia $804 -$74 -8.4%
Wisconsin $608 -$270 -30.8%
Wyoming $782 -$96 -10.9%

View Chart as Image

Honda Insight insurance rates by U.S. city

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 $862 $72
Honda Insight EX $878 $73

Rates assume 2001 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
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 Shop for Affordable Honda Insight Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a brief review of the car insurance concepts covered above.

  • Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,010 more per year than a low-risk driver
  • You may be able to save around $100 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $175 each year
  • Policyholders who purchase more liability protection will pay approximately $490 per year to raise limits from a 30/60 limit to a 250/500 level

Rates by Driver Age

Honda Insight Insurance Rates by Driver Age
Driver Age Premium
16 $3,650
20 $2,022
30 $886
40 $878
50 $808
60 $792

Full coverage, $500 deductibles

Rates by Deductible

Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $996
$250 $942
$500 $878
$1,000 $814

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $878
50/100 $966
100/300 $1,077
250/500 $1,364
100 CSL $1,011
300 CSL $1,254
500 CSL $1,431

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Insight Insurance Rates for High Risk Drivers
Age Premium
16 $5,114
20 $3,220
30 $1,898
40 $1,890
50 $1,810
60 $1,792

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 $117

Potential Rate Discounts

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

Discount Savings
Multi-policy $43
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $51
5-yr Claim Free $54
Paid in Full/EFT $30
Advance Quote $37
Online Quote $58
Total Discounts $337
Rate after discounts $541

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

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