Toyota Corolla vs Honda Insight Insurance Cost

The Honda Insight is cheaper to insure by about $310 a year for full coverage by our estimate ($1,705 vs. $1,395), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Toyota Corolla	Honda Insight	Difference
State minimum	$710	$615	+$95
Standard (100/300/100)	$1,025	$890	+$135
Full coverage	$1,705	$1,395	+$310

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Corolla minus Insight.

Why one costs more to insure

Factor	Toyota Corolla	Honda Insight
Segment	Compact car	Compact car
Powertrains	Gasoline, Hybrid	Hybrid
HLDI collision (100 = avg)	102	—
HLDI comprehensive	89	—
HLDI property damage liability	114	—
HLDI bodily injury liability	137	—
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	3	8

Corolla vs Insight insurance by state

State	Corolla	Insight	Difference
Alabama	$1,475	$1,195	+$280
Alaska	$1,490	$1,215	+$275
Arizona	$1,790	$1,470	+$320
Arkansas	$1,480	$1,195	+$285
California	$1,665	$1,350	+$315
Colorado	$1,920	$1,570	+$350
Connecticut	$1,830	$1,505	+$325
Delaware	$1,930	$1,600	+$330
District of Columbia	$2,145	$1,750	+$395
Florida	$2,480	$2,070	+$410
Georgia	$2,135	$1,770	+$365
Hawaii	$1,170	$950	+$220
Idaho	$1,155	$940	+$215
Illinois	$1,470	$1,200	+$270
Indiana	$1,205	$980	+$225
Iowa	$1,130	$915	+$215
Kansas	$1,335	$1,085	+$250
Kentucky	$1,435	$1,180	+$255
Louisiana	$2,365	$1,945	+$420
Maine	$1,080	$875	+$205
Maryland	$1,925	$1,580	+$345
Massachusetts	$1,675	$1,370	+$305
Michigan	$1,855	$1,510	+$345
Minnesota	$1,405	$1,145	+$260
Mississippi	$1,615	$1,315	+$300
Missouri	$1,535	$1,250	+$285
Montana	$1,335	$1,080	+$255
Nebraska	$1,340	$1,085	+$255
Nevada	$2,000	$1,665	+$335
New Hampshire	$1,210	$980	+$230
New Jersey	$2,085	$1,725	+$360
New Mexico	$1,520	$1,240	+$280
New York	$2,315	$1,910	+$405
North Carolina	$1,255	$1,010	+$245
North Dakota	$1,060	$850	+$210
Ohio	$1,210	$985	+$225
Oklahoma	$1,515	$1,230	+$285
Oregon	$1,550	$1,280	+$270
Pennsylvania	$1,475	$1,195	+$280
Rhode Island	$2,080	$1,715	+$365
South Carolina	$1,840	$1,520	+$320
South Dakota	$1,260	$1,010	+$250
Tennessee	$1,405	$1,140	+$265
Texas	$2,000	$1,630	+$370
Utah	$1,565	$1,290	+$275
Vermont	$1,090	$875	+$215
Virginia	$1,465	$1,200	+$265
Washington	$1,500	$1,235	+$265
West Virginia	$1,405	$1,140	+$265
Wisconsin	$1,155	$935	+$220
Wyoming	$1,285	$1,035	+$250

By driver profile (full coverage)

Driver	Corolla	Insight
Teen driver (18, own policy)	$4,695	$3,840
Young adult (22)	$2,730	$2,235
Adult in their 30s	$1,705	$1,395
Adult in their 50s	$1,570	$1,285
Senior (72)	$1,910	$1,565
30s, one at-fault accident	$2,475	$2,025
30s, DUI on record	$3,155	$2,585

More comparisons

Frequently asked questions

Is the Toyota Corolla or the Honda Insight cheaper to insure?

By our estimate the Honda Insight is cheaper, by about $310 a year for full coverage ($1,705 vs. $1,395) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Corolla and Honda Insight?

Mostly because of insurance-loss history: HLDI collision indices of 102 vs. n/a and comprehensive indices of 89 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page