Honda Insight Car Insurance Cost 2025
On average, getting insurance for a Honda Insight costs $174 per year. However, the actual cost can vary based on factors like your age, the model year of the car, your driving history, and the type of coverage you choose. You can use our quote tables below to estimate the specific costs for your situation.
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If you’re thinking about buying a Honda Insight, it’s important to factor in the cost of insurance. On average, insurance for a Honda Insight costs $174 per year. Insurance is a big part of owning a car, and it’s essential to understand its implications before making a purchase.
Choosing the right car insurance policy is crucial to avoid unexpected and potentially high expenses later on. You wouldn’t want to be caught without sufficient coverage in the event of an accident, facing substantial out-of-pocket costs. Additionally, being found at fault could result in increased premiums over time.
With over ten years of experience studying car insurance rates, I’ve observed how much these costs can vary. Factors like your age, driving history, and location can significantly impact the premiums you’ll pay for insurance.
How Much Does A Honda Insight Car Insurance Cost?
Typically, Honda Insight drivers can find car insurance at an average rate of $174 per year. However, your actual rate may differ based on factors like your location, driving history, and the specific coverage options you select.
It’s important to note that the cost of car insurance can vary due to several factors, including your location, driving history, the model year of your car, and the coverage options you choose. For example, maintaining a clean driving record can result in lower premiums, while a history of accidents or traffic violations may lead to higher costs.
Living in urban areas with heavy traffic can also increase insurance rates, whereas rural areas with less traffic may result in lower rates. Furthermore, the type of coverage you select impacts the cost, with comprehensive insurance typically costing more than minimum liability coverage.
As seen in the table below, the cost of insuring a Honda Insight is lower than the average cost for all Honda models. Additionally, it is less expensive than the average cost for all cars.
Insuranceopedia is here to help you compare quotes from different auto insurance providers to find the best rate for your needs.
| Vehicle | Average Monthly Premium |
| Honda Insight | $156 |
| All Honda | $168 |
| All Cars | $175 |
Average Insurance Cost Of Honda Insight By Model Year
| Model Year | Average Premium |
| 2022 Honda Insight | $1,019 |
| 2021 Honda Insight | $1,088 |
| 2020 Honda Insight | $879 |
| 2019 Honda Insight | $806 |
| 2014 Honda Insight | $988 |
| 2013 Honda Insight | $942 |
| 2012 Honda Insight | $881 |
| 2011 Honda Insight | $578 |
| 2010 Honda Insight | $640 |
2022 Honda Insight Insurance Rates
The average annual insurance cost for a 2022 Honda Insight Car is $1,019. However, Safeco offers the cheapest rates, averaging $174 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Economy | $791 |
| AssuranceAmerica Elite | $1,309 |
| Utica National Ins Group | $978 |
| North Carolina Farm Bureau | $1,316 |
| Colorado Farm Bureau Mutual | $1,265 |
| Mercury Insurance | $893 |
| Texas Farm Bureau Group | $1,143 |
| Titan | $1,026 |
| Farm Bureau Mutual (IA Group) | $1,292 |
| Safeco | $174 |
2021 Honda Insight Insurance Rates
The average annual insurance cost for a 2021 Honda Insight Car is $1,088. However, Capital Insurance Group offers the cheapest rates, averaging $881 per year.
| Insurance Provider | Average Annual Cost |
| National General Value | $1,385 |
| Capital Insurance Group | $881 |
| SECURA Insurance | $1,313 |
| PEMCO | $1,101 |
| American Family | $1,251 |
| Unigard | $1,462 |
| Dairyland | $104 |
| Texas Farm Bureau Group | $1,145 |
| Farm Bureau Mutual (IA Group) | $1,134 |
| Oregon Mutual | $1,099 |
2020 Honda Insight Insurance Rates
The average annual insurance cost for a 2020 Honda Insight Car is $879. However, Safeco offers the cheapest rates, averaging $465 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,077 |
| Kemper Auto | Infinity | $810 |
| ALFA | $1,101 |
| Hastings Mutual Insurance Co | $1,101 |
| Mercury Insurance | $658 |
| Virginia Farm Bureau | $1,180 |
| American National P | $1,056 |
| Clearcover | $763 |
| Safeco | $465 |
| Direct Auto | $577 |
2019 Honda Insight Insurance Rates
The average annual insurance cost for a 2019 Honda Insight Car is $806. However, Safeco offers the cheapest rates, averaging $181 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $620 |
| Mercury Insurance | $991 |
| Clearcover | $1,113 |
| Western Reserve | $827 |
| NatGen Custom 360 | $1,036 |
| NatGen Value | $1,183 |
| Plymouth Rock | $966 |
| Safeco | $181 |
| Buckeye Insurance Group | $329 |
| Ohio Mutual Ins Group | $811 |
2014 Honda Insight Insurance Rates
The average annual insurance cost for a 2014 Honda Insight Car is $988. However, Pekin Insurance offers the cheapest rates, averaging $713 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $874 |
| GMAC Insurance Group | $1,248 |
| SECURA Insurance | $1,126 |
| First Chicago Insurance | $984 |
| Rockford Mutual Insurance | $899 |
| Pekin Insurance | $713 |
| Capital Insurance Group | $859 |
| New Jersey Manufacturers | $1,272 |
| Texas Farm Bureau Group | $1,117 |
| Country | $787 |
Find Affordable Honda Insight Insurance Rates
2013 Honda Insight Insurance Rates
The average annual insurance cost for a 2013 Honda Insight Car is $942. However, NatGen Value offers the cheapest rates, averaging $781 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $930 |
| Capital Insurance Group | $1,079 |
| Southern Farm Bureau | $1,224 |
| PEMCO | $988 |
| Mercury Insurance | $826 |
| Erie | $895 |
| NatGen Value | $781 |
| Atlantic States Insurance | $1,153 |
| Unigard | $1,114 |
| American National P | $432 |
2012 Honda Insight Insurance Rates
The average annual insurance cost for a 2012 Honda Insight Car is $881. However, American National P offers the cheapest rates, averaging $442 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $442 |
| Hastings Mutual Insurance Co | $732 |
| Texas Farm Bureau Group | $621 |
| Pekin Insurance | $776 |
| AssuranceAmerica Economy | $1,139 |
| Unigard | $1,088 |
| Capital Insurance Group | $1,050 |
| Southern Farm Bureau | $1,010 |
| PEMCO | $1,037 |
| IMT Insurance Company | $911 |
2011 Honda Insight Insurance Rates
The average annual insurance cost for a 2011 Honda Insight Car is $578. However, Safeco offers the cheapest rates, averaging $133 per year.
| Insurance Provider | Average Annual Cost |
| Westfield | $778 |
| Kemper Auto | Infinity | $792 |
| Safeco | $133 |
| Mercury Insurance | $700 |
| Western Reserve | $771 |
| Ohio Mutual Ins Group | $677 |
| NatGen Value | $351 |
| Buckeye Insurance Group | $390 |
| Texas Farm Bureau Group | $441 |
| SafeAuto | $749 |
2010 Honda Insight Insurance Rates
The average annual insurance cost for a 2010 Honda Insight Car is $640. However, AssuranceAmerica Economy offers the cheapest rates, averaging $100 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Elite | $178 |
| SECURA Insurance | $743 |
| AssuranceAmerica Economy | $100 |
| Pekin Insurance | $955 |
| Texas Farm Bureau Group | $930 |
| Safeco | $149 |
| Direct Administration | $834 |
| Clearcover | $927 |
| Kemper Personal Insurance | $707 |
| National General Value | $878 |
Find Affordable Honda Insight Insurance Rates
Is A Honda Insight Expensive To Insure?
The cost to insure a Honda Insight is indeed lower than the average for all cars. However, the actual insurance premium you’ll pay can vary depending on factors such as your age, the model year of your car, your location, and more. Other variables, such as your driving record and the coverage options you choose, will also play a significant role in determining your final insurance rate.
Cost of Honda Insight Car Insurance By Age
Yes, age is a major factor in determining car insurance rates. Teenagers, due to their inexperience on the road and higher risk of accidents, generally pay the highest premiums. As drivers age and gain more experience, their premiums tend to decrease because they are considered lower risk. However, premiums can start to rise again as drivers reach older age groups due to factors like slower reaction times and an increased likelihood of health-related issues that could affect driving.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,554 | $12,556 | $14,664 |
| 18 | $7,910 | $11,692 | $13,677 |
| 19 | $7,064 | $10,365 | $12,058 |
| 20 | $6,097 | $8,968 | $10,493 |
| 21 | $5,102 | $7,580 | $8,858 |
| 22 | $5,051 | $7,374 | $8,596 |
| 23 | $4,356 | $6,433 | $7,502 |
| 24 | $4,206 | $6,099 | $7,183 |
| 25 | $3,598 | $5,303 | $6,168 |
| 30 | $2,793 | $4,099 | $4,792 |
| 35 | $2,628 | $3,868 | $4,465 |
| 40 | $2,514 | $3,738 | $4,295 |
| 45 | $2,432 | $3,613 | $4,214 |
| 55 | $2,223 | $3,292 | $3,856 |
| 65 | $2,337 | $3,454 | $4,000 |
| 75 | $3,011 | $4,347 | $5,085 |
Honda Insight Car Insurance Rates By State
Yes, where you live can greatly impact your car insurance rates. Insurance companies take into account the state and even the specific area where you reside, as this influences the overall risk. For example, states like Michigan, which require higher coverage limits, often have higher premiums. Similarly, areas prone to extreme weather, such as hurricanes or flooding, are considered higher-risk locations, which may lead to higher rates.
Moreover, crime rates, including the frequency of car thefts and vandalism, as well as accident and fatality statistics, also factor into the calculation. If you live in an area with higher rates of car accidents or theft, your premiums are likely to be higher as well. Conversely, living in a rural or less populated area, where these risks are lower, may result in lower insurance premiums.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,708 | $3,849 | $4,976 |
| Alaska | $2,222 | $3,062 | $2,987 |
| Arizona | $2,540 | $3,646 | $5,293 |
| Arkansas | $2,716 | $4,285 | $4,771 |
| California | $3,085 | $5,361 | $3,095 |
| Colorado | $2,795 | $4,024 | $5,091 |
| Connecticut | $3,658 | $5,662 | $7,185 |
| Delaware | $3,052 | $4,003 | $5,118 |
| Florida | $3,549 | $4,976 | $6,453 |
| Georgia | $2,914 | $4,377 | $4,364 |
| Hawaii | $1,184 | $1,545 | $1,143 |
| Idaho | $2,035 | $2,726 | $3,309 |
| Illinois | $2,095 | $3,230 | $3,666 |
| Indiana | $2,225 | $3,332 | $3,716 |
| Iowa | $1,751 | $2,339 | $2,764 |
| Kansas | $2,321 | $3,354 | $3,907 |
| Kentucky | $3,360 | $4,920 | $5,794 |
| Louisiana | $4,256 | $6,486 | $6,969 |
| Maine | $1,633 | $2,260 | $3,303 |
| Maryland | $2,657 | $3,806 | $4,200 |
| Massachusetts | $2,122 | $3,664 | $2,057 |
| Michigan | $5,008 | $7,692 | $12,174 |
| Minnesota | $2,068 | $2,731 | $3,913 |
| Mississippi | $2,513 | $3,579 | $3,554 |
| Missouri | $2,386 | $3,371 | $4,407 |
| Montana | $2,419 | $3,352 | $3,941 |
| Nebraska | $2,036 | $2,974 | $3,244 |
| Nevada | $3,317 | $4,983 | $5,290 |
| New Hampshire | $2,373 | $3,702 | $4,627 |
| New Jersey | $2,608 | $4,067 | $5,226 |
| New Mexico | $2,671 | $3,852 | $4,052 |
| New York | $2,440 | $3,030 | $5,149 |
| North Carolina | $1,512 | $2,579 | $1,803 |
| North Dakota | $2,055 | $3,102 | $3,698 |
| Ohio | $1,796 | $2,797 | $2,944 |
| Oklahoma | $2,885 | $4,230 | $4,767 |
| Oregon | $2,698 | $3,570 | $4,246 |
| Pennsylvania | $2,258 | $3,335 | $3,831 |
| Rhode Island | $3,800 | $5,548 | $6,222 |
| South Carolina | $2,586 | $3,533 | $4,904 |
| South Dakota | $2,311 | $3,338 | $3,827 |
| Tennessee | $2,732 | $3,976 | $5,290 |
| Texas | $2,700 | $3,903 | $4,908 |
| Utah | $2,279 | $3,215 | $4,474 |
| Vermont | $1,821 | $2,737 | $2,843 |
| Virginia | $1,686 | $2,535 | $2,552 |
| Washington | $2,181 | $2,955 | $3,617 |
| West Virginia | $2,265 | $3,196 | $3,973 |
| Wisconsin | $2,172 | $3,418 | $3,953 |
| Wyoming | $2,109 | $2,887 | $3,079 |
Find Affordable Honda Insight Insurance Rates
Cheapest Car Insurance Companies For A Honda Insight
If you’re planning to purchase a new car insurance policy for your Honda Insight, it’s essential to compare rates from different providers. For budget-conscious drivers, MetroMile offers a premium of $33 per month, making it one of the most affordable options for Honda Insight coverage. However, keep in mind that rates can vary depending on factors like your driving history, location, and coverage needs. To secure the best deal tailored to your profile, it’s always a good idea to shop around and compare quotes from multiple insurance companies.
| Company | Average Monthly Rate |
| Shelter Mutual | $36 |
| MetroMile | $33 |
| Mile Auto | $35 |
| CaliforniaCasualty | $39 |
| Clearcover | $45 |
Common Honda Insight Insurance Discounts
Discounts are an excellent way to reduce your car insurance expenses. While each insurance provider has unique offers, there are several common discounts to consider:
- Multi-policy: Bundling your auto and home insurance policies with the same provider can often result in a lower overall rate.
- Pay annually: Paying your premium in full upfront, rather than in monthly installments, can qualify you for discounts.
- Defensive driving: Completing a certified defensive driving course may make you eligible for reduced insurance costs.
Additionally, other discounts might apply based on your specific situation. It’s a good idea to discuss your options with your insurance agent to identify all the discounts you’re eligible for and maximize your savings.
Ways To Save On Honda Insight Insurance Costs
Maintaining a clean driving record is one of the most effective ways to minimize your Honda Insight insurance costs. Traffic violations, such as speeding tickets, or being involved in accidents, can significantly increase your premiums.
For instance, Honda Insight drivers with a speeding ticket may pay approximately $78 per month, while those with multiple accidents could face an average monthly premium of $96. By avoiding such incidents, you can keep your premiums lower.
Another factor that influences insurance costs is annual mileage. Drivers who travel fewer miles annually are considered a lower risk and often enjoy reduced rates. For example, Honda Insight drivers who clock between 2,501-5,000 miles annually typically pay around $70 per month, while those driving over 10,000 miles per year pay approximately $71 per month.
Compare Honda Insight To Other Honda Models
Looking for other Honda model insurance costs?
Our Methodology
To determine the average cost of car insurance, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used for this calculation was based on a 40-year-old male driver purchasing full-coverage insurance. The coverage limits included $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. It's important to note that the figures provided in this guide are averages and may vary depending on your individual circumstances, such as age, location, driving history, and coverage preferences.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Honda Insight?
Yes, proof of insurance is required before driving your Honda Insight off the dealership lot. It’s recommended to purchase a policy ahead of time and inform your insurance company about your upcoming car purchase. This approach is often more cost-effective and convenient than opting for insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your Honda Insight?
To secure the cheapest rates for your Honda Insight, it’s essential to shop around and compare quotes from various auto insurance companies. Luckily, Insuranceopedia makes this process simple by allowing you to compare multiple provider quotes directly on their website.
