Best Car Insurance for Honda Insight EX 2022
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Best insurance for Honda Insight EX
One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 26% per year insuring their Honda Insight EX when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Honda Insight EX drivers after switching with Jerry.
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How much does it cost to insure a Honda Insight EX
The average annual cost to insure a Honda Insight EX is $1,758, which is $1,185 lower than the average annual cost to insure Hondas. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.
Insurance coverage to consider for a Honda Insight EX
While the mandatory liability coverage will be the cheapest option to insure your Insight EX, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather
What determines your car insurance cost for a Honda Insight EX
In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.
The cost of insurance for a Honda Insight EX will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Honda Insight EX than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Honda Insight EX:
The year of your car
Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Honda Insight EX will be lower for an older car. These are real quotes Jerry has found for drivers of a Honda Insight EX based on model year:
While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Honda Insight EX with different carriers:
Trim levels and vehicle materials
The Honda Insight EX comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Honda Insight EX.
How can I save money when insuring my Honda Insight EX
It’s the classic conundrum: how can you save money on car insurance without losing the protection you need? Here are some ways you could save money when insuring your Honda Insight EX.
Shopping for car insurance is nobody’s idea of fun, but you have to do it or you’ll miss out on the best rate—right?
If you want the best rate but don’t want to spend hours calling insurance companies and filling out forms, download the Jerry app and let Jerry do the work. As a licensed insurance broker, Jerry will compare rates from up to 50 top insurance companies, show you rates within 45 seconds, and handle the paperwork to switch you over.
That’s right—no phone calls, no forms, no complicated calculations. Give Jerry your information and let the app work for you to find the lowest possible rate on insurance for your Honda Insight EX.
Key Takeaway: The best way to save money when insuring your Honda Insight EX is to download the Jerry app.
Opt for a lower trim level
When you’re weighing your options for trim level, keep in mind that the extra features of the Touring trim could bump up your insurance premium.
If you can live with an eight-speaker sound system instead of ten speakers, stick to the base LX or EX trims to save money on your insurance.
Skip the extra features
The more money you spend on available add-ons, the more money you’ll spend to protect them. The tasteful, functional styling of the Insight means that you’ll be driving an attractive car even without upgrades, and you’ll save money on insurance by keeping it simple.
Invest in anti-theft and safety features
The Insight comes standard with a fleet of safety features, including lane departure warnings and adaptive cruise control, which will help to keep your premium low! Adding additional safety or anti-theft systems, like a GPS tracker or a brake lock, can lower your rate.
Keep a clean record
Any driving violations, from a pesky speeding ticket all the way up to a major violation like a DUI, can raise your insurance rates.
So drive safe, keep your record clean, and you’ll see the savings in your insurance bill!
Look for discounts
Many insurance companies provide a range of discounts, but they won’t always advertise them up front, so do your research to find out what you might be eligible for!
Common discounts include discounts for good grades, responsible payment histories, or bundling auto insurance with a home or renters’ policy.