Honda Insight Insurance Rates
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UPDATED: Jun 3, 2024
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Average insurance rates for a Honda Insight are $1,310 a year including full coverage. Comprehensive insurance costs an estimated $226 each year, collision costs $484, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing $2,866 or more. 16-year-old drivers receive the highest rates at $5,076 a year or more.
Average premium for full coverage: $1,310
Rate estimates broken down by individual coverage type:
Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Insight models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the low end price of $496 for your basic liability-only policy to a high rate of $2,866 for a driver who has had serious violations or accidents.
Price Range by Location
Your location has a large influence on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities.
The graphic below illustrates the difference location can make on insurance prices.
These examples highlight why all drivers should compare rates for a targeted area, rather than using rate averages.
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.
More Rate Information
The chart below breaks down estimated Honda Insight insurance rates for other coverage scenarios.
- The best full coverage rate is $752
- Drivers who choose higher $1,000 deductibles will pay approximately $160 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,310
- Buying low deductibles for comprehensive and collision insurance will cost an additional $316 each year
- High-risk insureds with multiple tickets or accidents could pay up to $2,866 or more
- The cost that insures a teenage driver can cost as much as $5,076 a year
Insurance rates for a Honda Insight can also vary considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 136% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $5,000 a year. View Rates by Age
Where you live makes a big difference in Honda Insight insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,870 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $480 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, so the rates can be significantly different.
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 the Right Honda Insight Insurance
Saving money on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and taking advantage of discounts. Comparison shop every other policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The following is a quick rundown of the ideas that were touched on in this article.
- Teens are charged the highest rates, as much as $423 per month if full coverage is included
- Drivers with reckless driving or DUI convictions could be charged and average of $1,560 more annually for Insight insurance
- Increasing deductibles can save approximately $475 each year
- You may be able to save approximately $160 per year simply by quoting online in advance
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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