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Honda Insight Car Insurance: How Much It Costs and How to Save on Your Hybrid
The Honda Insight holds a unique place in the American car market. As one of the first mass market hybrids ever sold in the United States, it built a loyal following among fuel conscious drivers from its debut in 1999 through its final model year in 2022. Honda discontinued the Insight after 2022, replacing it with the Honda Civic Hybrid, but hundreds of thousands of Insights remain on the road.
If you own a Honda Insight or are considering buying a used one, you need to know what it costs to insure. The good news is that the Insight is generally affordable to insure, with annual premiums averaging around $1,262. That is below the national average for all vehicles and ranks among the most affordable midsize sedans to cover.
This guide breaks down exactly what Honda Insight insurance costs in 2026, how rates vary by model year, trim level, driver age, and state, what makes the Insight cheaper (or more expensive) to insure than similar cars, and practical strategies to lower your premium.
Important: The Honda Insight Was Discontinued After 2022
Before we dive into the numbers, you should know that Honda stopped producing the Insight after the 2022 model year. The car was replaced by the Honda Civic Hybrid, which carries forward the Insight’s fuel efficient hybrid philosophy in a new package.
This matters for insurance in two ways. First, since there are no new Insights being sold, every Insight on the road is now at least three years old and depreciating, which generally lowers insurance costs over time. Second, as parts become slightly less common (though Honda parts availability remains strong), repair costs could eventually increase, which could push comprehensive and collision premiums upward in the long run.
For now, the Insight remains an excellent value for used car buyers who want affordable insurance paired with strong fuel economy.
How Much Does Honda Insight Insurance Cost?
| Coverage Level | Avg. Annual Cost | Avg. Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100, $500 deductible) | $1,262 to $2,078 | $105 to $173 |
| Liability Only (State Minimum) | $500 to $850 | $42 to $71 |
| National Average (All Vehicles, Full Coverage) | $2,497 to $2,697 | $208 to $225 |
The Insight costs roughly $150 to $600 less per year to insure than the average midsize sedan, depending on the data source and coverage level. Among Honda models, the Insight ranks as moderately priced to insure, cheaper than the Accord and Passport but slightly more than the CR-V and Civic in some markets.
Insurance Cost by Model Year
The Honda Insight spans three distinct generations, and your model year significantly affects your premium:
Third Generation (2019 to 2022): The Modern Hybrid Sedan
This is the generation most current Insight owners drive. It was built on the Honda Civic platform and offered as a conventional looking four door sedan with a 1.5 liter hybrid powertrain producing 151 horsepower and up to 55 MPG in the city.
| Model Year | Avg. Annual (Full Coverage) | Avg. Monthly | Starting MSRP (When New) | Notes |
|---|---|---|---|---|
| 2022 | $1,019 to $2,078 | $85 to $173 | $26,855 | Final model year. Best features. |
| 2021 | $1,088 to $1,950 | $91 to $163 | $25,760 | Minor updates from 2020. |
| 2020 | $879 to $1,800 | $73 to $150 | $23,885 | Good value sweet spot. |
| 2019 | $850 to $1,700 | $71 to $142 | $23,725 | First year of third gen. |
Second Generation (2010 to 2014): The Compact Hybrid
This generation was a small five door hatchback with a 1.3 liter hybrid system. Insurance costs for these models are low because the vehicles have depreciated significantly.
| Model Year | Avg. Annual (Full Coverage) | Avg. Monthly | Notes |
|---|---|---|---|
| 2014 | $800 to $1,200 | $67 to $100 | Final year of second gen |
| 2010 to 2013 | $650 to $1,050 | $54 to $88 | Older hybrid. Very cheap to insure. Consider liability only. |
For second generation models worth less than $5,000, carrying full coverage may not make financial sense. The annual premium for collision and comprehensive could exceed 20% of the vehicle’s value.
First Generation (2000 to 2006): The Original Hybrid
The original Honda Insight was a two seat, three cylinder micro hybrid that achieved legendary fuel economy (over 60 MPG). Very few remain on the road, and insuring one is more of a collector or enthusiast concern. Insurance costs are typically $500 to $900 per year for full coverage, though finding parts can be challenging and may affect comprehensive premiums.
Insurance Cost by Trim Level (2022 Model)
The third generation Insight offered three trim levels. Here is how they compare for insurance:
| Trim | Avg. Annual Insurance | Avg. Monthly | Key Features Affecting Rate |
|---|---|---|---|
| LX | $1,900 to $2,012 | $158 to $168 | Base model. Honda Sensing standard. Lowest replacement value. |
| EX | $2,012 to $2,078 | $168 to $173 | Adds moonroof, dual zone climate, 8 inch display. Moderate increase. |
| Touring | $2,078 to $2,144 | $173 to $179 | Leather, navigation, heated seats. Highest equipment value. |
The trim difference is relatively modest for the Insight, roughly $132 to $144 per year between the LX and Touring. This is because all three trims share the same powertrain and the same Honda Sensing safety suite. The primary cost difference comes from the interior equipment and technology features that affect replacement value.
Insurance Cost by Driver Age
| Driver Age | 18 | 25 | 35 | 50 | 65+ |
|---|---|---|---|---|---|
| Avg. Annual | $4,118 | $1,600 to $1,900 | $1,100 to $1,400 | $1,000 to $1,300 | $1,100 to $1,500 |
| Avg. Monthly | $343 | $133 to $158 | $92 to $117 | $83 to $108 | $92 to $125 |
Why the Honda Insight Is Affordable to Insure
- Strong safety ratings. The third generation Insight (2019 to 2022) earned a 5 star overall safety rating from NHTSA. Every trim came standard with Honda Sensing, which includes collision mitigation braking, lane keeping assist, road departure mitigation, and adaptive cruise control. Vehicles with comprehensive safety suites generate fewer claims.
- Moderate repair costs. Honda parts are widely available and competitively priced. The Insight shares many components with the Honda Civic, one of the best selling cars in America, which keeps repair parts accessible and affordable.
- Low theft rate. The Honda Insight does not appear on any major most stolen vehicle lists. Its lower profile compared to the Civic and Accord means less theft risk, which reduces comprehensive premiums.
- Reasonable replacement value. With the last new model priced under $27,000 and used models now selling for $15,000 to $22,000 depending on year and condition, the Insight’s replacement value keeps collision and comprehensive costs manageable.
- Fuel efficient driving profile. Insight drivers tend to be fuel conscious and safety minded, which correlates with lower accident rates. Insurers look at the claim history of a vehicle’s typical driver profile when setting rates.
The one factor that works against the Insight is its hybrid powertrain. Hybrid systems are more complex and expensive to repair than conventional engines, which can push collision and comprehensive costs slightly higher than a comparable non-hybrid sedan.
How the Insight Compares to Similar Vehicles for Insurance
| Vehicle | Avg. Annual Insurance (Full Coverage) | Compared to Insight | Notes |
|---|---|---|---|
| Honda Insight | $2,078 | Baseline | Discontinued after 2022 |
| Toyota Camry | $2,102 | $24 more per year | Similar class, conventional powertrain |
| Honda Civic | $1,916 to $2,479 | Varies by trim; Civic Hybrid is close | Insight’s replacement. Wider trim range. |
| Honda Accord | $2,228 | $150 more per year | Larger sedan. Higher value. |
| Toyota Prius | $2,050 to $2,300 | Comparable | Direct hybrid competitor. |
| Nissan Altima | $2,390 | $312 more per year | Conventional sedan. Higher rates. |
| Hyundai Ioniq Hybrid | $1,950 to $2,200 | Comparable | Similar hybrid profile. |
The Insight ranks second in its competitive set for insurance affordability, beaten only by a few trim levels of the Honda Civic. It is $150 cheaper to insure than the Honda Accord and $312 cheaper than the Nissan Altima per year.
Cheapest Insurance Companies for the Honda Insight
| Company | Avg. Annual Cost | Avg. Monthly | Notes |
|---|---|---|---|
| GEICO | $1,044 | $87 | Cheapest for Insight nationwide |
| State Farm | $1,100 to $1,250 | $92 to $104 | Agent support. Drive Safe and Save. |
| Progressive | $1,150 to $1,300 | $96 to $108 | Snapshot telematics for safe drivers. |
| Travelers | $1,100 to $1,280 | $92 to $107 | Competitive. Not in all states. |
| Allstate | $1,525 | $127 | Higher rates but strong local agents. |
| USAA (military only) | $900 to $1,050 | $75 to $88 | Cheapest for eligible military families. |
The gap between the cheapest carrier (GEICO at $1,044) and the most expensive (Allstate at $1,525) is $481 per year. That means comparing quotes is not optional. It is essential. Ten minutes of comparison can save you $40 per month.
How Your State Affects Honda Insight Insurance Cost
- Vermont, Maine, Idaho: Among the cheapest states to insure an Insight. Full coverage runs $70 to $100 per month.
- Ohio, Indiana: Affordable markets. Full coverage typically costs $80 to $120 per month.
- Texas: Moderate. Expect $120 to $160 per month for full coverage. Competitive market rewards comparison shopping.
- Illinois: Insight insurance averages $39 to $42 per month for liability at the lowest end (per Lemonade data), with full coverage in the $130 to $170 range.
- California: Higher than average due to congestion and high labor costs. Los Angeles metro can push premiums above $200 per month. Rural California is significantly cheaper.
- Florida: Expensive. Mandatory PIP and high fraud rates push full coverage into the $180 to $250+ range.
- Louisiana: Most expensive state for Insight insurance. Full coverage can exceed $200 per month due to high claim costs and litigation.
- Michigan: No fault rules and mandatory PIP make this one of the costliest states. Full coverage for an Insight can exceed $220 per month.
What Coverage Should You Carry on a Honda Insight?
- 2019 to 2022 Insight (worth $12,000 to $22,000): Carry full coverage with at least 100/300/100 liability, collision and comprehensive with a $500 to $1,000 deductible, and uninsured motorist coverage. If you still owe money on the car, your lender requires full coverage plus possibly gap insurance.
- 2010 to 2014 Insight (worth $3,000 to $8,000): Full coverage may still make sense for models worth over $5,000. For models worth less, consider dropping collision and keeping liability, comprehensive (for theft and weather), uninsured motorist, and medical payments.
- 2000 to 2006 Insight (worth $3,000 to $10,000+ for low mileage): These are becoming collector vehicles. If yours is in excellent condition, consider agreed value or classic car insurance, which pays a pre-agreed amount in a total loss instead of depreciated actual cash value.
Does Being a Hybrid Affect Insurance Cost?
Yes, but the impact is smaller than most people expect. Hybrid vehicles like the Insight have slightly higher repair costs than their conventional counterparts because the battery system and electric components are more expensive to fix or replace. However, the Insight’s hybrid system is well integrated and shares many components with the Honda Civic, which keeps specialty repair costs relatively manageable.
The fuel savings from driving a hybrid (the Insight achieves up to 55 MPG city) typically more than offset any modest insurance premium increase. On average, hybrid sedans cost about 5% to 10% more to insure than comparable non-hybrid sedans, which translates to roughly $5 to $15 per month.
8 Ways to Save on Honda Insight Insurance
- Compare quotes from at least four carriers. GEICO consistently offers the cheapest Insight rates, but your best price depends on your profile and state.
- Bundle auto with home or renters insurance. Save 10% to 25% on your auto premium with a multi-policy bundle.
- Increase your deductible. Moving from $500 to $1,000 on collision and comprehensive can save 15% to 25% per year. Only choose a deductible you can afford.
- Ask about Honda Sensing safety discounts. Every third gen Insight has standard Honda Sensing with collision mitigation braking and lane keeping assist. Make sure your insurer applies safety technology discounts.
- Enroll in a usage based or low mileage program. Insight drivers tend to drive fewer miles because the car appeals to fuel conscious commuters. If you drive under 7,500 to 10,000 miles per year, low mileage discounts or pay per mile programs can save 15% to 40%.
- Maintain a clean driving record. Three to five years without accidents or violations earns the best safe driver discounts, typically 15% to 25% off.
- Take a defensive driving course. Many states offer a 5% to 15% discount for completing an approved course. Especially valuable for seniors driving an Insight.
- Review coverage annually. As your Insight depreciates, reassess collision coverage. If the annual premium for collision exceeds 10% of the car’s current value, the coverage may not be cost effective anymore.
Frequently Asked Questions About Honda Insight Insurance
The average cost of full coverage insurance for a Honda Insight is $1,262 per year, or about $105 per month. Rates range from $879 to $2,078 depending on your model year, state, driving record, and coverage level. The 2022 model year is the most expensive to insure, while the 2020 and older models cost significantly less.
Yes. The Honda Insight is one of the most affordable midsize sedans to insure. It costs approximately $150 per year less than the class median and $312 less than the Nissan Altima. Its 5 star NHTSA safety rating, standard Honda Sensing technology, moderate repair costs, and low theft rate all contribute to below average premiums.
Slightly. Hybrid vehicles typically cost 5% to 10% more to insure than comparable non-hybrid sedans because of higher repair complexity for battery and electric components. For the Insight, this translates to roughly $5 to $15 per month more than an equivalent non-hybrid Honda Civic. The fuel savings from the Insight’s 55 MPG city rating easily offset this difference.
GEICO offers the cheapest Honda Insight insurance at an average of $1,044 per year ($87 per month). State Farm and Travelers are also competitive in the $1,100 to $1,280 range. USAA offers the lowest rates for eligible military families at $900 to $1,050 per year. Compare at least four quotes to find your best price.
It depends on the car’s value. For a 2019 to 2022 Insight worth $12,000 or more, full coverage is recommended. For a 2010 to 2014 model worth less than $5,000, the annual cost of collision coverage may exceed what you would receive in a total loss claim. In that case, keeping liability, comprehensive, uninsured motorist, and medical payments coverage while dropping collision can save $200 to $400 per year.
In the short term, no. Honda parts for the Insight remain widely available because it shares components with the Civic. Over the long term (5 to 10 years), as remaining Insights age and parts become less common, repair costs could gradually increase, which might push comprehensive and collision premiums up. For now, the Insight remains one of the most affordable vehicles to insure in its class.
Find the Best Rate for Your Honda Insight
The Honda Insight is a smart, fuel efficient car that deserves smart, affordable insurance. Whether you are driving a 2022 Touring or a 2010 LX, the right carrier and the right discounts can save you hundreds per year.
At AtoZInsuranceUSA, we compare rates from multiple carriers to find the best price for your specific Honda Insight. Tell us your model year and driving profile, and we will show you options in minutes.
Get a free quote today and see how much you can save.