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: 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:

Comprehensive $116
Collision $162
Liability $442

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.

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

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.

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

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

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing full coverage Honda Insight insurance rates range from $541 to $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.

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

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

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 $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

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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