Insurance on a Honda Insight: How Much You Can Expect to Pay

• Honda Insight insurance costs around $2,078 per year, $1,039 for a 6-month policy, or $173 per month.
• With an insurance cost range of $132, the cheapest Honda Insight insurance is on the EX at around $2,012 per year, and the most expensive trim being the Touring at $2,144 annually.
• The Honda Insight is one of the cheaper midsize cars to insure, costing $150 less per year on average as compared to the rest of the vehicles in the segment.

How much does Honda Insight car insurance cost?

Average Honda Insight car insurance rates cost $2,078 annually for full coverage, which is about $173 each month. From the perspective of individual coverages, comprehensive is an estimated $496 a year, collision coverage will cost about $866, and the remaining liability/medical is about $716.

The chart below shows car insurance rates for a 2022 Honda Insight change based on the age of the rated driver and comprehensive and collision deductibles. The prices shown are for an annual policy, and range from as low as $1,478 per year for a 60-year-old driver with high physical damage deductibles to a high policy cost of $4,806 annually for a 20-year-old driver with low deductibles.

Additional rates and policy price factors include:

• Gender and age affect the rate you pay. For a 2022 Honda Insight, a 20-year-old male driver will pay an estimated rate of $4,174 per year, while a 20-year-old female driver pays an average of $3,004, a difference of $1,170 per year. Women get significantly cheaper rates. But by age 50, the rate for males is $1,846 and the cost for female drivers is $1,796, a difference of only $50.
• As you age, auto insurance tends to get cheaper. The difference in insurance rates for a 2022 Honda Insight between a 40-year-old driver ($2,078 per year) and a 20-year-old driver ($4,174 per year) is $2,096, or a savings of 67.1%.
• Your employer could lower your rates. Most auto insurance companies offer policy discounts for having a job in professions like firefighters, architects, accountants, nurses, scientists, high school and elementary teachers, and other occupations. By qualifying for this discount, you may save between $62 and $227 on your car insurance premium.
• Be a careful driver and pay less. Too many at-fault accidents will increase rates, to the tune of $2,970 per year for a 20-year-old driver and even as much as $640 per year for a 50-year-old driver.
• A good driving record means cheaper insurance rates. To get the best price on Insight insurance rates, it’s necessary to obey traffic laws. Just a few speeding tickets could possibly raise policy cost by up to $552 per year. Serious infractions such as DUI and hit-and-run could raise rates by an additional $1,930 or more.

Which Insight model has the cheapest insurance?

The cheapest Honda Insight to insure is the $25,760 base EX trim costing an average of $2,012 per year, or about $168 per month.

The most expensive model to insure is the $29,790 Touring model, costing an average of $132 more per year than the cheapest EX model.

The next table displays average car insurance policy costs for annual and semi-annual policy terms, in addition to a monthly budget estimate, for each Honda Insight trim level available for the 2022 model year.

Is Insight insurance cheaper than other midsize cars?

When Honda Insight car insurance rates are compared to popular vehicles in the midsize car segment, insurance for an Insight costs $24 less per year than the Toyota Camry, $150 less than the Honda Accord, $312 less than the Nissan Altima, and $168 less than the Tesla Model 3.

The Honda Insight ranks second out of 13 total comparison vehicles in the midsize car category. The Insight costs an average of $2,078 per year to insure for full coverage and the class median rate is $2,228 per year, a difference of $150 per year.

The table below shows how well average Insight insurance rates compare to the entire midsize car class (excluding luxury midsize cars).

Comparing average insurance quotes on an Insight to the models with the closest average purchase price gives more insight into how car insurance rates compare.

A 2022 Insight has an average sticker price of $27,775, before dealer fees.

The four models that have the most similar average MSRP to the Insight for the 2022 model year are the Chevrolet Malibu, Kia K5, Nissan Altima, and Volkswagen Passat.

The next list shows how those models compare to the Insight by MSRP and average insurance cost.

• Honda Insight vs. Chevrolet Malibu – The Chevrolet Malibu sells for an average of $28,020 ($24,395 to $34,495), which is $245 more expensive than the average sticker price for the Honda Insight. Drivers can expect to pay approximately $156 more every 12 months for insurance on the Chevrolet Malibu compared to an Insight.
• Honda Insight vs. Kia K5 – For a new model, the sticker price on the Kia K5 averages $771 less than the MSRP for the Honda Insight ($27,004 compared to $27,775). Insurance on the Insight costs an average of $16 less per year than the Kia K5.
• Honda Insight vs. Nissan Altima – The 2022 Nissan Altima has an average sticker price of $28,735 ($24,550 to $34,250), which is $960 more expensive than the Honda Insight. Insurance on the Nissan Altima costs an average of $312 more every 12 months than the Honda Insight.
• Honda Insight vs. Volkswagen Passat – The average MSRP for a 2022 Honda Insight is $1,187 cheaper than the Volkswagen Passat, at $27,775 compared to $28,962. Expect to pay approximately $34 more every 12 months for full-coverage insurance on the Volkswagen Passat compared to an Insight.

How much is insurance for a used Honda Insight?

Driving a used Honda Insight could save $670 per year or more on insurance cost. That’s the difference between a 2022 model and a 2013 model. The savings is even more if your policy is liability insurance only.

The data below details typical full coverage insurance policy costs for a Honda Insight for the 2013 through 2022 model years. Insurance rates range from a low of $1,408 for a 2013 Honda Insight to the highest rate of $2,078 for a 2022 Insight.