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 for full coverage insurance. Comprehensive insurance costs around $226 each year, collision costs $484, and liability is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing $2,866 or more. Teenage drivers pay the highest rates at $5,076 a year or more.
Average premium for full coverage: $1,310
Price estimates for individual coverage:
These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Insight models.
Price Range from Low to High
For the normal driver, Honda Insight insurance prices go from as low as $496 for the bare minimum liability coverage to a high rate of $2,866 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities.
The graphic below illustrates how geographic area affects auto insurance rates.
The ranges above illustrate why all drivers should get quotes for a specific zip code and risk profile, 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 Information
The chart below illustrates estimated Honda Insight insurance rates for additional coverage choices and driver risks.
- The best discount rate is $752
- Choosing higher $1,000 deductibles can save about $160 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,310
- Using low deductibles for comp and collision coverage will cost an extra $316 every year
- Unlucky drivers who are prone to accidents and violations could pay at least $2,866 or more
- The price for full coverage for a teen driver can be $5,076 each year
Insurance prices for a Honda Insight are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $5,000 a year. View Rates by Age
The state you live in plays a big part in determining prices for Honda Insight insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,770 on average in Michigan, New York, 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 save as much as $480 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 136% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices may be quite 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 | $1,274 | $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 Cheap Honda Insight Insurance
Getting lower rates on car insurance takes avoiding accidents and violations, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates once a year by quoting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a brief summary of the data that was presented in the illustrations above.
- It is possible to save up to $160 per year simply by quoting online in advance
- Policyholders who may need higher liability limits will pay an extra $490 annually to raise limits from a low limit to 250/500 limits
- Teenagers pay higher prices, as much as $423 a month for full coverage
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,560 more every year for car insurance
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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