Best Honda Insight Auto Insurance in 2025 (Check Out the Top 10 Companies)

The best Honda Insight auto insurance providers are Progressive, State Farm, and Liberty Mutual, with rates starting at $65 per month. Progressive stands out for its competitive rates and comprehensive coverage options, making it the top pick overall. For the average Honda Insight insurance cost, consider these companies for the best value and coverage.

The article also explores how various factors impact Honda Insight insurance rates, including the effect of vehicle choice. For instance, it addresses the question, “Does the car a teen drives affect auto insurance rates?” and its influence on costs.

Our Top 10 Company Picks: Best Honda Insight Auto Insurance

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#1 – Progressive: Top Overall Pick

Pros

• Affordable Rates: As mention in Progressive auto insurance review, Progressive offers competitive rates for Honda Insight insurance, with an average monthly premium of $135. This can make it a cost-effective option for budget-conscious drivers seeking comprehensive coverage.
• Discount Opportunities: Progressive provides a range of discounts, including multi-policy and safe driver discounts, which can help lower insurance costs for Honda Insight owners. Utilizing these discounts can lead to substantial savings.
• Customizable Coverage: Progressive allows for extensive customization of coverage options, ensuring that Honda Insight drivers can tailor their policies to meet their specific needs and preferences, including add-ons like accident forgiveness.

Cons

• Limited Local Agent Availability: Progressive’s focus on online services means fewer local agents are available. This can be a drawback for Honda Insight owners who prefer face-to-face consultations and personalized service.
• Higher Premiums for Younger Drivers: Progressive tends to have higher premiums for younger drivers. Honda Insight owners in this age group might find better rates elsewhere, as Progressive’s pricing can be less competitive for them.

#2 – State Farm: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage Options: As mentioned in our State Farm auto insurance review, State Farm offers a variety of coverage options for Honda Insight owners, including extensive liability, collision, and comprehensive coverage, with an average monthly premium of $145, providing robust protection.
• Wide Network of Agents: With a large network of local agents, State Farm provides personalized service and support for Honda Insight drivers, ensuring that policyholders receive tailored advice and assistance.
• Extensive Discount Options: With numerous discount opportunities, such as good driver and student discounts, State Farm allows Honda Insight owners to customize their policy and find multiple ways to save.

Cons

• Higher Monthly Premiums: At $145 per month, State Farm’s rates for Honda Insight insurance are on the higher side compared to some competitors, which could be a disadvantage for those seeking the most budget-friendly option.
• Limited Discount Options: State Farm offers fewer discount options compared to some other providers. Honda Insight owners may miss out on potential savings that are available with more discount-friendly insurers.

#3 – Liberty Mutual: Best for Customizable Policies

Pros

• Variety of Discounts: Liberty Mutual offers multiple discounts for Honda Insight insurance, including good driver and multi-vehicle discounts. This can help lower the overall cost of coverage, with average premiums at $150.
• Flexible Coverage: As mentioned in our Liberty Mutual auto insurance review, the company provides flexible coverage options, allowing Honda Insight drivers to adjust their policies to fit specific needs, such as adding rental car reimbursement or roadside assistance.
• Strong Financial Stability: Liberty Mutual’s solid financial ratings ensure that Honda Insight owners can trust the company to handle claims effectively and provide reliable coverage.

Cons

• Higher Rates: Liberty Mutual’s average monthly premium of $150 for Honda Insight insurance is relatively high. This might not be ideal for those looking for more affordable options.
• Complex Policy Structure: The variety of coverage options and discounts can sometimes make Liberty Mutual’s policy structure complex. Honda Insight owners might find it challenging to navigate and choose the best options for their needs.

#4 – USAA: Best for Military Benefits

Pros

• Competitive Rates: USAA offers some of the lowest rates for Honda Insight insurance, averaging $130 per month. This makes it an attractive choice for eligible military members and their families seeking affordable coverage.
• Excellent Customer Service: As outlined in USAA auto insurance review, the company is renowned for its exceptional customer service. Honda Insight drivers who are eligible will benefit from personalized support and a smooth claims process.
• Comprehensive Coverage: USAA provides a range of coverage options, including high limits on liability and comprehensive coverage, ensuring Honda Insight owners have robust protection tailored to their needs.

Cons

• Eligibility Restrictions: USAA insurance is only available to military members and their families. Honda Insight owners outside this group will not be able to take advantage of USAA’s competitive rates and benefits.
• Limited Local Agents: Similar to Progressive, USAA’s focus on online and phone services means fewer local agents are available. Honda Insight drivers who prefer in-person interactions might find this a drawback.

#5 – Allstate: Best for Safe Driver

Pros

• Comprehensive Coverage Options: Allstate offers extensive coverage for Honda Insight owners, including liability, collision, and comprehensive coverage. With an average premium of $155, drivers receive robust protection.
• Variety of Discounts: Allstate provides a range of discounts, such as safe driver and multi-policy discounts. These can significantly reduce the cost of Honda Insight insurance, making it more affordable for qualifying drivers. Learn more about their discounts in our Allstate auto insurance review.
• Local Agent Network: Allstate has a broad network of local agents, providing personalized service and advice for Honda Insight drivers. This can be beneficial for those seeking face-to-face interactions and tailored insurance solutions.

Cons

• Higher Premiums: At $155 per month, Allstate’s rates for Honda Insight insurance are higher than many competitors. This could be a concern for those looking for more economical insurance options.
• Discount Limitations: While Allstate offers discounts, some may not be as extensive or easily attainable compared to other providers. Honda Insight owners might need to meet specific criteria to benefit from available discounts.

#6 – Nationwide: Best for Vanishing Deductible

Pros

• Affordable Rates: Nationwide offers competitive rates for Honda Insight insurance, averaging $140 per month. This can provide a cost-effective solution for drivers seeking good coverage at reasonable prices.
• Broad Coverage Options: Nationwide provides a comprehensive range of coverage options for Honda Insight owners, including liability, collision, and comprehensive coverage, ensuring robust protection.
• Discount Opportunities: Nationwide offers various discounts, such as safe driver and multi-vehicle discounts, which can help reduce the overall cost of insurance for Honda Insight drivers. For more information, read our Nationwide auto insurance review.

Cons

• Average Customer Service: Nationwide’s customer service may not be as highly rated as some competitors. Honda Insight owners might experience average service levels compared to companies with exceptional customer support.
• Limited Local Agent Presence: While Nationwide has a strong online presence, it may have fewer local agents compared to other providers. This can be a disadvantage for those Honda Insight drivers who prefer in-person consultations and personalized service.

#7 – Farmers: Best for Flexible Plans

Pros

• Variety of Coverage Options: Farmers provides a wide range of coverage options for Honda Insight insurance, including comprehensive and collision coverage. This ensures that drivers can customize their policies to meet their specific needs.
• Discount Opportunities: Farmers offers numerous discounts, including those for safe driving and bundling policies. Honda Insight owners can take advantage of these discounts to lower their insurance costs. Check out this page Farmers auto insurance review to know more details.
• Local Agent Network: Farmers has a strong network of local agents who can offer personalized advice and support. This can be particularly beneficial for Honda Insight drivers seeking tailored insurance solutions.

Cons

• Higher Premiums: With an average monthly premium of $148, Farmers’ rates for Honda Insight insurance can be higher compared to some competitors, which might not be ideal for those looking for more budget-friendly options.
• Complex Policy Options: The range of coverage options and discounts available can sometimes make Farmers’ policies complex. Honda Insight owners might find it challenging to navigate and select the best coverage for their needs.

#8 – American Family: Best for Teen Driver

Pros

• Competitive Rates: American Family offers affordable rates for Honda Insight insurance, with an average premium of $138 per month. This makes it a good option for drivers seeking cost-effective coverage.
• Comprehensive Coverage: American Family provides extensive coverage options, including liability, collision, and comprehensive coverage. Honda Insight drivers can benefit from well-rounded protection tailored to their needs.
• Discount Opportunities: As outlined in our American Family auto insurance review, American Family offers various discounts, such as safe driver and multi-policy discounts. These can help reduce insurance costs for Honda Insight owners, making it a more economical choice.

Cons

• Average Customer Service: American Family’s customer service may not be as highly rated as some competitors. Honda Insight owners might experience average service levels compared to insurers with superior customer support.
• Limited Local Agent Network: American Family’s network of local agents might be less extensive than other providers. This can be a drawback for Honda Insight drivers who prefer in-person interactions and personalized assistance.

#9 – The Hartford: Best for AARP Discounts

Pros

• Extensive Coverage Options: As outlined in our The Hartford auto insurance review, The Hartford offers a wide range of coverage options for Honda Insight drivers, including comprehensive and collision coverage. With an average monthly premium of $152, drivers receive robust protection.
• Discount Opportunities: The Hartford provides various discounts, such as those for safe driving and bundling policies. Honda Insight owners can take advantage of these discounts to reduce their insurance costs.
• Strong Financial Stability: The Hartford’s strong financial ratings ensure that Honda Insight owners can trust the company to handle claims effectively and provide reliable coverage.

Cons

• Higher Premiums: The Hartford’s average monthly premium of $152 for Honda Insight insurance is higher than many competitors, which could be a concern for those seeking more affordable options.
• Complex Policy Options: The range of coverage options and discounts available can sometimes make The Hartford’s policies complex. Honda Insight owners might find it challenging to navigate and select the best coverage for their needs.

Honda Insight Insurance Cost

The table below compares monthly rates for minimum and full coverage car insurance for a Honda Insight from various providers.

Honda Insight Auto Insurance Monthly Rates by Coverage Level & Provider

For the best value on Honda Insight insurance, compare rates across providers to find the most competitive premiums. Adjusting coverage levels and exploring discounts can help you secure the most cost-effective insurance option.

Honda Insight Auto Insurance Monthly Rates by Coverage Type

To find the best insurance rates for your Honda Insight, consider comparing quotes with different coverage levels and discounts. Exploring options for high deductibles and good driver discounts can significantly reduce your premiums.

Read More: Best Auto Insurance Companies That Offer Cash Back for Safe Drivers

Why Honda Insights are Expensive to Insure

The chart below details how Honda Insight insurance rates compare to other hybrid/electrics like the Ford C-Max Hybrid, Toyota Prius, and Honda Accord Hybrid.

Honda Insight Auto Insurance Monthly Rates vs. Similar Vehicles by Coverage Type

The Honda Insight tends to be more expensive to insure compared to other hybrids primarily because of its higher collision and comprehensive car insurance coverage costs, which contribute significantly to the overall premium. This is partly due to the vehicle’s repair and replacement costs, which can be higher than those of other hybrids.

Additionally, factors such as the Insight’s safety features and its higher-than-average claims history can influence these elevated rates. Evaluating different insurance providers, comparing coverage options, and considering discounts can help manage and potentially reduce these higher expenses.

Factors Influencing Honda Insight Insurance Cost

The average monthly insurance rate for a Honda Insight is $107, but various factors can cause your individual policy to vary. Your age plays a significant role; younger drivers often face higher premiums due to perceived higher risk, while more experienced drivers may benefit from lower rates.

Driving history also impacts your premium; a clean driving record typically results in lower rates, while violations or accidents can drive costs up.

Lastly, the model year of your Honda Insight influences your insurance costs; newer models often have higher premiums due to increased repair and replacement costs, whereas older models might be less expensive to insure.

Evaluating these elements can help you understand and potentially mitigate variations in your insurance costs.

Age of the Vehicle

The average Honda Insight auto insurance rates are higher for newer models. For example, insurance rates for newer Honda Insight models are higher compared to older ones, reflecting the increased cost associated with newer vehicles.
Honda Insight Auto Insurance Monthly Rates by Age of the Vehicle

Insurance rates for the Honda Insight increase with the model year, reflecting the higher costs associated with newer vehicles. Older models generally have lower insurance premiums, making them a more affordable option.
Read More: Why is auto insurance for new cars so expensive?

Driver Age

Driver age can have a significant effect on the cost of Honda Insight car insurance. Younger drivers typically face higher insurance premiums compared to more experienced drivers, reflecting the increased risk associated with less driving experience.

Honda Insight Auto Insurance Monthly Rates by Age

As drivers gain experience and reach middle age, their insurance costs generally decrease, reflecting a lower risk profile.

Driver Location

Where you live can have a large impact on Honda Insight insurance rates. For example, drivers in Phoenix may pay $59 a year less than drivers in Los Angeles.

Honda Insight Auto Insurance Monthly Rates by City

Geographical location plays a crucial role in determining Honda Insight insurance rates, with significant variations across U.S. cities. Drivers in cities with higher living costs or higher crime rates often face higher premiums compared to those in less expensive or lower-risk areas.

Your Driving Record

Your driving record can have an impact on the cost of Honda Insight auto insurance. Teens and drivers in their 20’s see the highest jump in their Honda Insight auto insurance rates with violations on their driving record.

Honda Insight Auto Insurance Monthly Rates by Age & Driving History

A clean driving record significantly reduces Honda Insight insurance costs, while violations and accidents can cause substantial increases, particularly for younger drivers. Maintaining a good driving history is crucial for keeping insurance premiums manageable.

Honda Insight Safety Ratings

The Honda Insight’s safety ratings play a crucial role in determining your insurance premiums. Higher safety scores generally lead to lower insurance costs due to reduced risk.

Honda Insight Safety Ratings

With top ratings across all safety tests, the Honda Insight is a strong contender for lower insurance rates. This makes it a favorable choice for drivers seeking both safety and cost savings.

Honda Insight Crash Test Ratings

The crash test ratings of the Honda Insight are essential in assessing its insurance costs. High ratings typically indicate safer vehicles, potentially leading to lower insurance premiums.

Honda Insight Safety Ratings

With a perfect 5-star rating across all crash test categories, the Honda Insight demonstrates impressive safety. This can contribute to more favorable insurance rates for drivers prioritizing both safety and cost-efficiency.

Honda Insight Safety Features

Having a variety of safety features on your Honda Insight can help lower your insurance costs. According to AutoBlog, the 2020 Honda Insight’s safety features include:

• Comprehensive air bag system including driver, passenger, front head, rear head, and side air bags
• 4-wheel ABS and disc brakes with brake assist
• Electronic stability control and traction control
• Advanced safety features like lane departure warning and lane keeping assist
• Daytime running lights, child safety locks, and overall strong crash protection

Equipped with a range of advanced safety features, the Honda Insight can help lower your insurance premiums. These safety systems not only enhance your driving experience but also contribute to reduced insurance costs by improving overall vehicle safety.

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.

Read More: How to Buy Auto Insurance Online Instantly

Ways to Save on Honda Insight Insurance

If you want to reduce the cost of your Honda Insight insurance rates, follow these tips below:

• Don’t assume your Honda Insight is cheaper to insure than another vehicle.
• Spy on your teen driver.
• Drive Your Honda insight safely.
• Don’t skimp on Honda Insight liability coverage.
• Ask about Honda Insight low mileage discounts.

Read More: How to Get a Low Mileage Auto Insurance Discount

By implementing these strategies, you can effectively lower your Honda Insight insurance costs. Regularly reviewing your policy and maintaining safe driving habits can lead to substantial savings.

These discounts from top insurance providers for Honda Insight offer valuable opportunities for car owners to save money while maintaining comprehensive coverage and safety on the road.

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.

Top 10 Honda Insight Auto Insurance Providers by Market Share

Choosing the right insurance company can make a significant difference in your Honda Insight coverage and costs. Consider these top providers to find the best rates and cheap Honda auto insurance tailored to your needs.

Compare Free Honda Insight Insurance Quotes Online

To start comparing Honda Insight car insurance quotes for free, use our online car insurance comparison tool. This tool allows you to quickly evaluate various insurance options tailored to your Honda Insight’s needs.

With just a few clicks, you can access multiple quotes from top providers and find the best coverage at competitive rates. How long does it take to compare auto insurance quotes? Typically, it only takes a few minutes to receive and review your quotes, helping you make an informed decision efficiently.

To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool below to instantly compare prices from various companies near you.