Real mpg
If you take it to the dealer, don't expect much and you won't be disappointed. I suspect their response will be that mileage varies and your mpg is normal. Fuelly is the best source I have seen for real world mpg. Do make sure your tires are properly inflated (I would suggest 3-5 psi above the recommended pressure). I have test driven both an Insight and multiple Clarity and Accord hybrids. One Clarity showed great mileage, while the other one in the mid 40's. Both Accord hybrids showed high 30's and up to low 40's when I babied it. The one Insight EX I drove only had 5 miles on the odometer and it started out showing less than 20 mpg, but climbed to 49 average mpg after about an 8 mile city drive. So, the Insight performed the best of all my test drives. Your mileage will vary based upon your driving habits and the type of terrain you are driving through, but what you are seeing on your Insight does seem low. The salesman bragged about how Honda intentionally under states their mpg estimates, but that hasn't been my experience. I suspect there are performance variables and adjustments related to hybrids most dealers still don't understand. I haven't yet pulled the trigger on buying an Insight, but I plan to test drive the one I buy to check the mpg before I sign the papers on a sale. Even that won't guarantee my mpg won't degrade over time. I wish you luck.