Honda Insight Insurance Rates
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UPDATED: May 11, 2022
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U.S. average auto insurance rates for a Honda Insight are $878 annually for full coverage. Comprehensive costs around $116, collision costs $162, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing around $1,890. Teenage drivers pay the highest rates at $3,650 a year or more.
Average premium for full coverage: $878
Price estimates for individual coverage:
These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Insight trim levels.
Price Range from Low to High
For the normal driver, Honda Insight insurance prices go from as cheap as $496 for minimum levels of liability insurance to a much higher rate of $1,890 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities.
The price range example below illustrates how geographic area affects auto insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of using 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.
Additional Rate Details
The chart below shows estimated Honda Insight insurance rates for additional coverage choices and driver risks.
- The best discount rate is $541
- Raising to $1,000 deductibles will save about $64 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $878
- Using more expensive low deductibles will cost $996
- At-risk drivers who are prone to accidents and violations could pay at least $1,890 or more
- The price with full coverage for a teen driver with full coverage can be $3,650
Car insurance prices for a Honda Insight are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles may pay as little as $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $3,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $1,000 to $1,500 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 126% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $190 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
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 $580 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,250 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know your exact price is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Honda Insight | $158 | $258 | $478 | $1,052 |
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 Cheap Honda Insight Insurance
Getting lower rates on car insurance consists of being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The items below are a brief summary of the data that was presented in the illustrations above.
- Drivers can save up to $100 per year simply by shopping early and online
- Policyholders who may need more liability coverage will pay an extra $490 each year to raise from a low limit to higher 250/500 limits
- Teen drivers are the costliest to insure, with premiums as much as $304 a month if comprehensive and collision insurance is included
- Higher risk drivers that tend to have accidents or serious violations pay an average of $1,010 more every year to insure their Insight
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $996 |
| $250 | $942 |
| $500 | $878 |
| $1,000 | $814 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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