Honda Insight Insurance Rates

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:

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

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.

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.

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

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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.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

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