Honda Insight Car Insurance Cost for 2022

How much does Honda Insight insurance cost? We analyzed rates for the LX through the Touring models to see how insurance compared to other midsize cars.

Start QuoteCompare Insight car insurance rates and save on your next policy.

How much does Honda Insight car insurance cost?

Average Honda Insight car insurance rates cost $1,482 annually for full coverage, which is about $124 each month. From the perspective of individual coverages, comprehensive is an estimated $360 a year, collision coverage will cost about $612, and the remaining liability/medical is about $510.

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 $1,130 per year for a 60-year-old driver with high physical damage deductibles to a high policy cost of $3,388 annually for a 20-year-old driver with low deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Honda Insight with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Honda Insight trim levels.Data last updated on June 24, 2022
Honda Insight Car Insurance Rates
Honda Insight Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,510$209
$500$2,936$245
$250$3,388$282
30$1,000$1,318$110
$500$1,558$130
$250$1,810$151
40$1,000$1,260$105
$500$1,482$124
$250$1,712$143
50$1,000$1,152$96
$500$1,350$113
$250$1,556$130
60$1,000$1,130$94
$500$1,324$110
$250$1,528$127

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 $2,936 per year, while a 20-year-old female driver pays an average of $2,186, a difference of $750 per year. Women get significantly cheaper rates. But by age 50, the rate for males is $1,350 and the cost for female drivers is $1,322, a difference of only $28.
  • 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 ($1,482 per year) and a 20-year-old driver ($2,936 per year) is $1,454, or a savings of 49.5%.
  • 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 $44 and $159 on your car insurance premium.
  • Be a careful driver and pay less. Too many at-fault accidents will increase rates, to the tune of $2,064 per year for a 20-year-old driver and even as much as $478 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 $388 per year. Serious infractions such as DUI and hit-and-run could raise rates by an additional $1,356 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 $1,434 per year, or about $120 per month.

The most expensive model to insure is the $29,790 Touring model, costing an average of $94 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.

2022 Honda Insight Insurance Cost by Trim Level
Honda Insight Trim Level Annual Policy 6-month Policy Per Month
EX$1,434$717$120
Touring$1,528$764$127

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Honda Insight, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Honda Insight Insurance Cost by Trim Level

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 $20 less per year than the Toyota Camry, $106 less than the Honda Accord, $224 less than the Nissan Altima, and $120 less than the Tesla Model 3.

The Honda Insight ranks #2 out of 13 total comparison vehicles in the midsize car category. The Insight costs an average of $1,482 per year to insure for full coverage and the class median rate is $1,589 per year, a difference of $107 per year.

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

Insurance Cost Comparison: Honda Insight vs Midsize Cars
Rank Make/Model Insurance Cost Difference
1Subaru Legacy$1,480-$2
2Honda Insight$1,482--
3Kia K5$1,498$16
4Toyota Camry$1,502$20
5Volkswagen Passat$1,508$26
6Mazda 6$1,518$36
7Chevrolet Malibu$1,584$102
8Honda Accord$1,588$106
9Tesla Model 3$1,602$120
10Volkswagen Arteon$1,660$178
11Nissan Altima$1,706$224
12Hyundai Sonata$1,736$254
13Kia Stinger$1,798$316

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Insurance Cost Comparison: Honda Insight vs Midsize Cars

How much is insurance for a used Honda Insight?

Driving a used Honda Insight could save $402 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 $1,080 for a 2013 Honda Insight to the highest rate of $1,482 for a 2022 Insight.

Honda Insight Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Honda Insight$1,482$741$124
2021 Honda Insight$1,372$686$114
2020 Honda Insight$1,348$674$112
2019 Honda Insight$1,214$607$101
2014 Honda Insight$1,110$555$93
2013 Honda Insight$1,080$540$90

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Honda Insight Insurance Cost by Model Year