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Are Honda Insights Expensive to Insure? [Rates + Cheap Coverage Guide]

Average Honda Insight insurance rates will cost you around $107 a month. State Farm, Progressive and GEICO provide competitive Honda Insight insurance coverage because they offer the most car insurance discounts for Honda's different safety features. These discounts can mitigate your Honda Insight insurance costs.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 25, 2020

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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

Honda Insight insurance rates are around $241 less than the average vehicle, with full coverage costing about $1,278 a year or $107 a month. Good drivers can get discounts totaling up to $527 a year by staying claim-free. Let’s take a look at Honda Insight insurance rates, safety ratings, and more.

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.

Honda Insight Insurance Cost

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

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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 Ford Fusion Energi, Chrysler Pacifica Hybrid, and Hyundai Sonata Hybrid.

Vehicle Comprehensive Collision Liability Total
Ford Fusion Energi $336 $626 $372 $1,492
Chrysler Pacifica Hybrid $370 $656 $338 $1,500
Hyundai Sonata Hybrid $322 $626 $420 $1,548
Lexus GS 450h $394 $774 $398 $1,724
Chevrolet Volt $370 $774 $398 $1,700
Ford C-Max Hybrid $282 $566 $398 $1,404

However, there are a few things you can do to find the cheapest Honda 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 insurance coverage.

Age of the Vehicle

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

Model Year Comprehensive Collision Liability Total
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

Driver Age

Driver age can have a significant effect on the cost of Honda Insight car insurance. For example, 30-year-old drivers pay approximately $56 more for their Honda Insight car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Honda Insight insurance rates. For example, drivers in Los Angeles may pay $472 a year more than drivers in Philadelphia.

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.

Honda Insight Safety Ratings

Your Honda Insight car insurance rates are tied to the safety ratings of the Honda Insight. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

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.

Vehicle Tested Overall Frontal Side Rollover
2019 Honda Insight 4 DR FWD 5 stars 5 stars 5 stars 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

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

Honda Insight Finance and Insurance Cost

When financing a Honda Insight, most lenders will require your carry higher Honda Insight coverage options including comprehensive coverage, so be sure to shop around and compare Honda Insight car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Honda Insight Insurance

There are many ways that you can save on Honda Insight car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Honda Insight car insurance rates low.

  • Buy Your Honda Insight with Cash, or Get a Shorter-Term Loan
  • Ask Your Insurance Company About Honda Insight Discounts
  • Pay Your Bills On Time — Especially Honda Insight Payments and Insurance
  • Buy a Honda Insight with an Anti-Theft Device
  • Ask About Seasonal Insurance for Your Honda Insight

Top Honda Insight Insurance Companies

Who is the top auto insurance 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 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Honda Insight offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Honda Insight Insurance Quotes Online

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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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