Honda Insight Insurance Cost Estimate [Everything You Need to Know]

Average Honda Insight insurance rates cost $1,278 a year, or around $107 a month. You can find cheap Honda Insight car insurance rates if you are a good driver. Mature drivers with good driving records may find Honda insight insurance costs as low as $751 a year. Compare rates for insurance on a Honda Insight to save.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 21, 2020

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Here's What You Need to Know: Honda Insight
Honda Insight SummaryDetailsSource
Comprehensive rate average$280.00Quadrant information Services
Liability rate average$372.00Quadrant information Services
Collision rate average$562.00Quadrant information Services
Fair Market Range (2020)$21,952-$23,605Kelley Blue Book
Average Cost of Repairs$392.00RepairPal
Overall Safety Ratings:GoodInsurance Institute for Highway Safety
Fatality Rate For Vehicle's Size Group54%Insurance Institute for Highway Safety
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Key Takeaways:

  • Full coverage costs around $1,278 a year or $107 each month
  • A liability-only policy costs around $513 a year or $43 each month
  • Highest rates are for teenage drivers at around $4,671 a year or $389 each month
  • Good drivers can save as much as $527 a year by earning policy discounts
  • Honda Insight insurance costs around $241 less per year than the average vehicle

Looking for Honda Insight insurance rates can leave you with more questions than answers if you don’t know how to begin. And if you have a Honda Insight, you want the assurance that the Honda Insight rates you’re paying are fair. 

That’s why you should be aware that the average Honda Insight car insurance rates cost drivers $1,278 a year for full coverage, and good drivers can save up to $527 by earning policy discounts.

Let this comprehensive article serve as a point of reference while you compare Honda Insight rates from different companies to help you with understanding your car insurance policy and how much you should be paying.

You can start comparing quotes for Honda Insight car insurance rates from some of the best car insurance companies by using our free online tool now.

Car Insurance Rates Honda Insight

The average Honda Insight auto insurance rates are $1,278 a year or $107 a month.

Discounts can have a significant positive affect on your rates, as can high deductibles, but if you’re a teen driver, expect to pay significantly higher rates than other drivers.

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Are Honda Insights expensive to Insure?

The chart below details how Honda Insight insurance rates compare to other hybrid/electrics like the Hyundai Sonata Hybrid, Buick LaCrosse, and Toyota Prius.

Average Insurance Rates for Vehicles Similar to the Honda Insight
VehicleAverage Annual Comprehensive RatesAverage Annual Collision RatesAverage Annual Liability RatesAverage Annual Combined Rates
Hyundai Sonata Hybrid$322$626$420$1,548
Buick LaCrosse$320$566$338$1,360
Toyota Prius$306$512$332$1,286
Lexus GS 450h$394$774$398$1,724
Ford Fusion Hybrid$322$656$466$1,644
Honda Accord Hybrid$362$718$316$1,532
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And if you’re wondering if how the Honda Insight compares to other Honda models, take a look.

  • Is insurance higher on a Honda Civic? The average rate for full coverage is $1,536, so the answer is yes, insurance is higher on a Honda Civic.
  • How much is insurance on a Honda Civic SI? The average rate for full coverage is $1,742, which is also higher than insurance on a Honda Insight.
  • Is the Honda CR-V is expensive to insure? The average rate for full coverage is $1,140, which is lower than rates for the Honda Insight.

There are a few things you can do when shopping for insurance on a Honda Insight so you have the assurance that you’re finding cheap car insurance rates online.

What Impacts the Cost of Honda Insight Insurance?

The Honda Insight trim and model you choose can impact the total price you will pay for Honda Insight car insurance coverage.

Age of the Vehicle

Older Honda Insight models generally cost less to insure. For example, car insurance for a 2014 Honda Insight costs $1,278, while 2010 Honda Insight insurance costs are $1,130, a difference of $148.

Average Annual Rates for a Honda Insight by Model Year
Model YearAverage Annual Comprehensive RatesAverage Annual Collision RatesAverage Annual Liability RatesAverage Annual Total Rates
2014 Honda Insight$218$450$452$1,278
2013 Honda Insight$208$424$456$1,246
2012 Honda Insight$200$380$460$1,198
2011 Honda Insight$188$350$460$1,156
2010 Honda Insight$180$328$464$1,130
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How much should I pay for a 2019 Honda Insight insurance policy? Comprehensive, collision, and liability coverage will cost you $280, $542, and $390 respectively, with a total cost of $1,358 per year.

As you can see 2019 Honda Insight insurance costs are about 20 percent higher than rates for a 2010 Honda Insight.

Driver Age

Driver age can have a significant impact on Honda Insight auto insurance rates.

For example, 20-year-old drivers pay approximately $1,563 more each year for their Honda Insight auto insurance than 30-year-old drivers.

Driver Location

How does where you live affect car insurance rates for the Honda Insight?

For example, drivers in Los Angeles may pay $1,099 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Honda Insight car insurance.

Teens and drivers in their 20’s see the highest jump in their Honda Insight car insurance with violations on their driving record.

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Honda Insight Safety Ratings

Your Honda Insight car insurance rates are tied to the safety ratings of the Honda Insight. See the breakdown from the Insurance Institute for Highway Safety (IIHS) in this table.

Honda Insight Safety Ratings
IIHS Safety Test TypeSafety Rating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
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As you can see, the Honda Insight has an average rating of “good” for all the safety ratings in the table.

What are the Honda Insight crash test ratings?

Good Honda Insight crash test ratings mean the VW is safer, which could mean cheaper Honda Insight car insurance rates.

Honda Insight Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2019 Honda Insight 4 DR FWD5 stars5 stars5 stars5 stars
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These National Highway Traffic Safety Administration (NHTSA) ratings for the Honda Insight average five out of five stars, which is great news for your safety and your insurance rates.

What are the Honda Insight safety features?

The more safety features you have on your Honda Insight, the more likely it is that you can earn a discount. The Honda Insight’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

You can watch this video to learn more about safety features on the Honda Insight, including Honda Sensing technology.

As we noted earlier, depending on your insurance company, you may qualify for discounts based on the safety features included on your Honda Insight.

What are the Honda Insight standard safety features?

The following items are standard features on the Honda Insight:

  • Side curtain airbags
  • Occupant Position Detection System for your passenger’s airbag system
  • Anti-lock brakes equipped with an Electronic Brake Distribution override

Like the features in the previous section, depending on your insurer, you may be able to get discounts for these standard safety features.

Honda Insight Finance and Insurance Cost

If you are financing a Honda Insight, most lenders will require that you carry higher Honda Insight coverage options, including comprehensive coverage, so be sure to shop around and compare Honda Insight auto insurance quotes from the best auto insurance companies using our free tool.

Ways to Save on Honda Insight Insurance

There are many ways that you can save on Honda Insight car insurance. Below are five actions you can take to find cheap Honda Insight auto insurance rates.

  • Wait six years for accidents to disappear from your record
  • Install an aftermarket anti-theft device for your Honda Insight
  • Never drink and drive your Honda Insight
  • Reduce your coverage on an older Honda Insight
  • Park your Honda Insight somewhere safe—like a garage or private driveway

These are just some of the ways you can save on your Honda Insight car insurance rates.

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Top Honda Insight Insurance Companies

Who is the best company for Honda Insight insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Honda Insight insurance coverage (ordered by market share).

Many of these companies offer discounts for security systems and other safety features that the Honda Insight offers.

Largest Insurance Companies by Market Share
RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2Geico $46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
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Depicted graphically,

This data is from the Insurance Information Institute (III).

Compare Free Honda Insight Insurance Quotes Online

You can start comparing quotes for Honda Insight auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Read on to learn all about the Honda Insight’s safety features and the Honda Insight’s auto insurance costs and then be sure to enter your ZIP code for a free Honda Insight car insurance quote comparison.

Is a Honda Insight more expensive to insure?

In Chicago, Illinois, a good driver can find online insurance companies offering rates as low as $380 per year for the LX or EX models.

The higher premiums are actually due to the cost of repair for the hybrid electrical system.

Remember that purchasing your car warranty through an insurance carrier, not a dealership, will provide a less expensive warranty and lower your insurance premium.

Honda Insight—Used or New?

Saving on your insurance for any hybrid can be greatly helped by purchasing a gently used Honda Insight since all rates start with what you paid for your vehicle.

Another great way to save is with a general coverage policy, which can be as low as $281 per year. This type of policy will provide the barest minimum to meet state requirements if you:

  • Are female
  • Over 50
  • Own a home
  • Live anywhere but a large city
  • Have a perfect driving record
  • Have good credit

Compare quotes to get the best insurance rates for your unique situation and needs.

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The Bottom Line for Honda Insight Car Insurance

When you’re considering purchasing a Honda Insight, there are some factors to keep in mind:

  • Full coverage costs around $1,278 a year or $107 each month
  • Honda Insight insurance costs around $241 less per year than the average vehicle
  • The Honda Insight has an average of “good” for safety ratings and five out of five stars for crash ratings

When you’re shopping for insurance coverage for your Honda Insight, make sure you obtain at least three different quotes so you can compare rates.

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Frequently Asked Questions: Honda Insight Car Insurance Rates

Still have questions about Honda Insight car insurance rates? Read these frequently asked questions to learn more.

#1 – Does Honda Sensing technology lower insurance?

According to IIHS, the Honda Sensing technology has reduced collision claims by an average of $379, which in the long run can reduce your insurance rates.

#2 – What is the Honda Insight insurance group?

The Honda Insight falls within insurance group 15 (the insurance group structure is commonly found in the U.K.).

Enter your ZIP code to start comparing Honda Insight auto insurance quotes online for free.

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