Honda Insight Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Honda Insight costs less than most other cars to insure.

• Liability auto insurance for an Insight comes in at about $71 monthly, while full coverage normally runs around $155 a month.

• The most affordable insurance company for an Insight is CaliforniaCasualty, who offers Insight owners rates as cheap as just $38 monthly.

Insight Overview

The Honda Insight is a great car for all budgets, with a base price of just $25,210 for 2022 models. There's a Insight for every driver, with two different trim options offered.

Based on thousands of car insurance quotes from Compare.com, we've found that average Honda Insight auto insurance prices run about $153 a month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Honda Insight?

Looking at the table above, you can see that when you compare the Honda Insight to other vehicles, insurance premiums are right around average. On average, Insight drivers can expect to pay about $71 per month for liability insurance, and around $155 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other Honda models, the Insight is slightly more affordable, with prices more than 5% lower than the rest of the manufacturer's vehicle offerings. Similarly, coverage for the Insight is more affordable when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive rates than other cars.

Compared to all vehicles, regardless of make, body style, or model, insurance premiums for both liability only and full coverage policies run lower than average.

Who has the Cheapest Car Insurance for a Honda Insight?

If you're in the market for an auto insurance policy for a Honda Insight, you may want to know which carrier offers the lowest rates. Although there will never be one company that offers the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $33 a month from MetroMile. The runner up for cheapest rates is Mile Auto, with car insurance policies starting sometimes as cheap as $35 a month.

Shelter Mutual, CaliforniaCasualty, and Clearcover round out the rest of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, insurance companies look at a range of different things when calculating premiums, so your results might be different. The only way to guarantee you find the most affordable rates is to compare quotes from a variety of auto insurance carriers.

What Factors Affect Car Insurance Rates for a Honda Insight?

As we mentioned above, there are many variables that car insurance companies take a look at to calculate how much they charge you for a policy -- and each carrier weighs different pieces more heavily than others, so there's not one single company that's the lowest for everyone.

The following sections show numerous factors insurance carriers use to choose rates:

Vehicle Age

The Honda Insight has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for auto insurance. Usually, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually go lower.

Based on the above table, the Honda Insight is inline with this trend, as the most expensive models to insure are those that are 2 to 3 years old, while the cheapest models are Insights that are 15 years old or more, on average.

Your Age

Your age is another factor that makes a significant difference in how much car insurance companies will charge for a policy. As you can see in the table above, teenage drivers have much higher prices compared to drivers with more experience. In this case, drivers under 18 pay $38 more than those 25 or older.

Insurance prices continue to get lower as you get older, with drivers aged 65 years and older making up the cheapest age group for the Insight.

Your Gender

Did you know men usually pay more for insurance than women? This is because women are less likely to get tickets and get into accidents, which decreases the chances of an insurance claim. The Honda Insight follows this convention, and men pay about 3% more than women per month for car insurance.

Where You Live

You were probably already aware that things like how old you are and what vehicle you drive play a role in your auto insurance rates, but you may not realize that where you live matters, too. Because car insurance is regulated on the state level rather than nationally, premiums can change quite a bit depending on where you live.

For example, the average Honda Insight driver in New York pays around $139 a month for liability coverage. Meanwhile, on average, the same owner from California will pay less than half of that price. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change across states.

Honda Insight Car Insurance Discounts

Whatever where you live, how old you are, or which vehicle you drive, using as many discounts as possible when it comes to your insurance is always important when shopping around for a new policy.

Even though all auto insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-car discounts for having more than one vehicle on your auto policy
• Pay-in-full discounts for drivers who choose to pay their entire policy rate up front, rather than by monthly payments
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)

These are just a few of the discounts out there. Often, it's actually having a good record when it comes to both driving and insurance that get you the best rates.

Even though you may not be able to control every variable auto insurance companies examine to calculate rates (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

It's no secret that car insurance carriers offer the cheapest premiums to drivers with clean records. It follows that your insurance prices will go higher if you get cited for speeding or get into an accident. But you still might be left wondering exactly how much collisions and moving violations will cost you.

Looking at the table above, you'll notice that accidents will usually cost Insight drivers more than tickets, but both will result in a raise in rates. Honda Insight drivers with a single accident on their record pay about $85 every month (up $14 from the $71/mo. overall average), while drivers with one ticket will pay an average of $77 monthly. Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

The total amount of miles you drive plays a role when it comes to your auto insurance rates. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll generally be offered cheaper prices. Based on the table above, you can see that Honda Insight owners who drive between 7,500 and 10,000 miles pay $76 for car insurance, while those who drive between 5,000 and 7,500 miles each year pay an average of $62 per month.

If you don't use your Honda Insight that often, it may be worth considering usage-based or pay-per-mile auto insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Honda Insights Compare to Other Vehicles?

If you're thinking about making a Honda Insight your next car, it might be helpful to do your due diligence. Car insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth considering carefully.

Check out the table below to see how the Honda Insight compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Honda Insight is a fantastic value when it comes to price. While the average vehicle MSRP in the U.S. is $41,045, the Insight has an MSRP of just $25,210.

Likewise, insurance rates are lower when compared to other vehicles on the market. Liability insurance for a Honda Insight is about $42 per month less than average, while full coverage is over $20 cheaper a month.

When it comes to usage, Honda Insight owners drive fewer miles annually than the national average, with 10,291 miles per year compared to 11,673 for all vehicles.

Honda Insight Car Insurance Costs by Model Year

Thus far, you've seen how different variables have an impact on how much the average driver pays for car insurance. But if you're thinking about buying a new vehicle and the Insight is one you're considering, knowing what you'll likely pay can be helpful as you consider your choices.

That's why we've broken down Honda Insight auto insurance premiums by model year. Choose a model year from the dropdown below to see average rates for both liability only and full coverage options, as well as some other helpful info, like the base MSRP, who offers the most affordable policies, which trim levels are offered for each Insight model year.

2022 Honda Insight Car Insurance

On average, drivers who own a 2022 Honda Insight can expect to pay $39 to $144 monthly for liability only and full coverage insurance, respectively.

DirectGeneral has prices as little as $30 per month for the 2022 Honda Insight.

Interested in what your car insurance price will be? Get lots of customized quotes for free by just entering your ZIP code below.

2021 Honda Insight Car Insurance

The average cost to insure a 2021 Insight with liability only coverage is $72 a month, while full coverage runs around $179 monthly.

With rates sometimes as little as $22 per month, Safeco offered the cheapest policy we found for the 2021 Honda Insight.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2020 Honda Insight Car Insurance

It costs about $65 a month for liability or $160 for a full coverage policy for the 2020 Honda Insight.

Looking for the lowest policy? Safeco offered liability only coverage for as cheap as $28 monthly.

If you want to find the best premiums for auto insurance for a 2020 Honda Insight, enter your ZIP code below and compare a range of personalized quotes in just a few minutes.

2019 Honda Insight Car Insurance

2019 Insight drivers can expect to pay an average of $82 per month for liability or $179 for full coverage.

We found Clearcover offered the cheapest policy, with rates as low as just $26 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

2014 Honda Insight Car Insurance

You can expect full coverage for a 2014 Honda Insight to run around $138 a month, while liability only coverage will average about $113 per month.

Mercury offered the most affordable policy we found, with rates sometimes as low as $38 monthly.

If you're looking for a more exact figure on what you should pay for insurance for a 2014 Honda Insight, you can get free quotes in minutes by just entering your ZIP code below.

2013 Honda Insight Car Insurance

It costs around $70 a month for liability or $154 for a full coverage policy for the 2013 Insight.

With rates as low as $30 per month, Mercury offered the lowest policy we found.

What will your car insurance rate be? Get multiple free customized quotes by just entering your ZIP code below.

2012 Honda Insight Car Insurance

On average, drivers who own a 2012 Honda Insight can expect to pay $66 to $154 monthly for liability only and full coverage auto insurance, respectively.

If you're looking for the most affordable 2012 Honda Insight insurance policy, MetLife offered the most affordable policy we found, with rates as little as just $19 per month.

If you want to know exactly how much you can expect to pay for your Insight, just enter your ZIP code below and get free quotes in minutes.

2011 Honda Insight Car Insurance

2011 Insight drivers can expect to pay an average of $61 a month for liability or $146 for full coverage.

With prices as cheap as just $17 per month, Gainsco offered the lowest policy we found for the 2011 Honda Insight.

While these are good estimates of what the average driver might pay to insure a 2011 Honda Insight, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2010 Honda Insight Car Insurance

You can expect full coverage for a 2010 Honda Insight to run about $146 monthly, while liability only coverage will average around $76 a month.

Looking for the cheapest policy? Liberty Mutual offered liability only coverage for as cheap as $18 monthly.

What could your insurance price look like? Enter your ZIP code below to get several free personalized quotes.

Honda Insight Insurance FAQs

Is a Honda Insight expensive to insure?

The Honda Insight is less expensive to insure compared to the average vehicle. Liability insurance runs an average of $71 a month, while full coverage will cost you around $155.

How can I get the best price on car insurance for my Honda Insight?

The only way to confirm you're getting the most affordable price on car insurance is to check prices regularly and compare quotes from a multitude of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole range of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Honda Insight affect my insurance prices?

You may have heard the old adage that it costs more to insure a red car, but that's actually not true. There are multiple factors insurance companies think about when they offer premiums, but your Honda Insight's color is not factored into that decision.

Do I need to have insurance before I buy a Honda Insight?

Before you can legally drive your new (or new to you) Insight off the dealership lot, you'll need to have valid auto insurance for it. Some dealerships will offer you one during the purchase process, but your best bet is letting your car insurance carrier know ahead of time.

What car insurance discounts can I get for my Honda Insight?

There are a whole range of discounts out there for insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the car you drive, but if your Insight has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. To learn more about which discounts you might qualify for, get in touch with your insurance company and ask about their discounts.