Honda Ridgeline Insurance Rates
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UPDATED: Jun 3, 2023
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Wondering how much should I pay for a Honda Ridgeline insurance plan? Average Honda Ridgeline insurance rates are $1,498 a year, or $124 a month. Read on to learn what drivers can do to save on insurance for Honda Ridgeline vehicles.
Use our free comparison tool above to start comparing Honda Ridgeline insurance costs.
The average auto insurance rates for a Honda Ridgeline are $1,024 annually including full coverage. Comprehensive costs on average $156 each year, collision insurance costs $178, and liability coverage is $510. Liability-only coverage costs around $568 a year, and high-risk coverage costs around $2,192. 16-year-old drivers cost the most to insure at up to $4,194 a year.
Average premium for full coverage: $1,024
Policy rates by type of insurance:
Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Ridgeline models.
Price Range Variability
For a driver around age 40, Honda Ridgeline insurance rates range from as cheap as $568 for basic liability insurance to a high rate of $2,192 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The examples above highlight why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below breaks down average Honda Ridgeline insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $633
- Raising to $1,000 deductibles will save around $76 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,024
- Buying low deductibles will cost $1,168
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,192
- Policy cost with full coverage for a teenage driver may cost $4,194
Insurance rates for a Honda Ridgeline also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $220 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $459 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Honda Ridgeline insurance rates. A middle-age driver might find rates as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,460 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $924 | -$100 | -9.8% |
| Alaska | $786 | -$238 | -23.2% |
| Arizona | $852 | -$172 | -16.8% |
| Arkansas | $1,024 | -$0 | 0.0% |
| California | $1,168 | $144 | 14.1% |
| Colorado | $974 | -$50 | -4.9% |
| Connecticut | $1,052 | $28 | 2.7% |
| Delaware | $1,158 | $134 | 13.1% |
| Florida | $1,282 | $258 | 25.2% |
| Georgia | $946 | -$78 | -7.6% |
| Hawaii | $734 | -$290 | -28.3% |
| Idaho | $696 | -$328 | -32.0% |
| Illinois | $762 | -$262 | -25.6% |
| Indiana | $772 | -$252 | -24.6% |
| Iowa | $690 | -$334 | -32.6% |
| Kansas | $972 | -$52 | -5.1% |
| Kentucky | $1,396 | $372 | 36.3% |
| Louisiana | $1,514 | $490 | 47.9% |
| Maine | $632 | -$392 | -38.3% |
| Maryland | $844 | -$180 | -17.6% |
| Massachusetts | $816 | -$208 | -20.3% |
| Michigan | $1,776 | $752 | 73.4% |
| Minnesota | $856 | -$168 | -16.4% |
| Mississippi | $1,226 | $202 | 19.7% |
| Missouri | $906 | -$118 | -11.5% |
| Montana | $1,100 | $76 | 7.4% |
| Nebraska | $806 | -$218 | -21.3% |
| Nevada | $1,228 | $204 | 19.9% |
| New Hampshire | $738 | -$286 | -27.9% |
| New Jersey | $1,146 | $122 | 11.9% |
| New Mexico | $906 | -$118 | -11.5% |
| New York | $1,078 | $54 | 5.3% |
| North Carolina | $590 | -$434 | -42.4% |
| North Dakota | $840 | -$184 | -18.0% |
| Ohio | $708 | -$316 | -30.9% |
| Oklahoma | $1,052 | $28 | 2.7% |
| Oregon | $938 | -$86 | -8.4% |
| Pennsylvania | $974 | -$50 | -4.9% |
| Rhode Island | $1,366 | $342 | 33.4% |
| South Carolina | $930 | -$94 | -9.2% |
| South Dakota | $864 | -$160 | -15.6% |
| Tennessee | $894 | -$130 | -12.7% |
| Texas | $1,234 | $210 | 20.5% |
| Utah | $758 | -$266 | -26.0% |
| Vermont | $700 | -$324 | -31.6% |
| Virginia | $614 | -$410 | -40.0% |
| Washington | $790 | -$234 | -22.9% |
| West Virginia | $938 | -$86 | -8.4% |
| Wisconsin | $708 | -$316 | -30.9% |
| Wyoming | $912 | -$112 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Ridgeline RT 4WD | $994 | $83 |
| Honda Ridgeline RTS 4WD | $1,008 | $84 |
| Honda Ridgeline RTL 4WD | $1,024 | $85 |
| Honda Ridgeline RTL W/Navigation 4WD | $1,040 | $87 |
Rates assume 2006 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Honda Ridgeline | $190 | $258 | $540 | $1,168 |
| 2008 Honda Ridgeline | $162 | $192 | $530 | $1,064 |
| 2007 Honda Ridgeline | $158 | $188 | $520 | $1,046 |
| 2006 Honda Ridgeline | $156 | $178 | $510 | $1,024 |
Rates are averaged for all Honda Ridgeline models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Honda Ridgeline Insurance
Finding cheaper rates on auto insurance consists of being a low-risk driver, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to compare rates every time your policy renews by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a brief recap of the information covered above.
- You may be able to save as much as $110 per year just by quoting online in advance
- Teen drivers pay higher rates, with premiums being up to $350 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save up to $225 each year
- Drivers who tend to receive serious violations pay on average $1,170 more each year to insure their Ridgeline
- Consumers who require more liability coverage will pay around $560 per year to raise from a 30/60 limit to higher 250/500 limits
Honda Ridgeline pricing on car insurance can vary based on your age and driving record. The best way to save and find affordable Honda Ridgeline car insurance is to use rate comparison tools and find the best Honda Ridgeline insurance quotes for you.
Doing so will allow you to compare different model years, such as the 2017 Honda Ridgeline vs the 2019 model cost to own, or to compare different trim levels, such as 2009 versus 2011 Honda Ridgeline trim levels.
While rate comparison won’t help you find out the Honda Ridgeline depreciation or the Honda Ridgeline 5-year cost to own, it will help you find savings immediately. So if you are ready to start saving on Honda Ridgeline insurance maintenance costs, enter your ZIP code in our free tool below.
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What are the safety ratings of the Honda Ridgeline?
Is the Honda Ridgeline worth buying? If a car doesn’t have good safety ratings and features, it isn’t worth your time. So if you looking for a 2020 Honda Ridgeline for sale, check the safety rating first. Poor safety ratings and features not only mean you are less safe, but it also means higher insurance rates.
Luckily, the Honda Ridgeline has some great safety features, such as brake assist, traction control, lane departure warning, and lane-keeping assist. The Honda Ridgeline safety ratings are also great, as the Insurance Institute for Highway Safety (IIHS) gave the Honda Ridgeline a 2019 Top Safety Pick award.
Take a look at the Honda Ridgeline’s crash test ratings below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Acceptable
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The video below shows one of the IIHS’s crash tests on the Honda Ridgeline.
Honda Ridgeline Compared Against Other Vehicles in the Same Class
The Honda Ridgeline is a large pickup, which means it may have slightly higher liability insurance rates. Why? Larger vehicles are more likely to do significant damage to other vehicles in a crash.
Want to better understand how the Honda Ridgeline’s rates compare to other large pickups’ rates? View the large pickups below.
Ready to start saving on Honda Ridgeline insurance rates? Use our free rate comparison tool to find the best Honda Ridgeline rates in your area.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,194 |
| 20 | $2,336 |
| 30 | $1,036 |
| 40 | $1,024 |
| 50 | $944 |
| 60 | $922 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,168 |
| $250 | $1,104 |
| $500 | $1,024 |
| $1,000 | $948 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,024 |
| 50/100 | $1,142 |
| 100/300 | $1,270 |
| 250/500 | $1,601 |
| 100 CSL | $1,193 |
| 300 CSL | $1,474 |
| 500 CSL | $1,678 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,882 |
| 20 | $3,712 |
| 30 | $2,204 |
| 40 | $2,192 |
| 50 | $2,098 |
| 60 | $2,076 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $51 |
| Multi-vehicle | $55 |
| Homeowner | $19 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $34 |
| Advance Quote | $43 |
| Online Quote | $68 |
| Total Discounts | $391 |
Discounts are estimated and may not be available from every company or in every state.
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