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These are great cars but boy they suck when the conditions aren't correct.
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Just a WAG, but I would hazard a guess that "correct" conditions wouldn't include "loaded to the gills with camping gear, the rack on the back with two bikes and driving 70 mph" for 200 miles

. You're using your car in a way it was not really designed to be used, yet it still returned a most reasonable 27 mpg. Imagine if you'd taken the smallest available SUV out there, and loaded it similarly, I just bet you would not achieve that kind of mileage.
I just reread the above, I hope you don't take it as a slam, it was not at all intended that way, just MHO... I do agree with you that Insights are "great cars." You'll soon get your mileage back up!