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.
Estimated insurance rates for a Honda Ridgeline are $1,024 a year with full coverage. Comprehensive insurance costs on average $156 each year, collision costs $178, and liability is $510. Liability-only coverage costs around $568 a year, with high-risk coverage costing $2,192 or more. 16-year-old drivers pay the most at $4,194 a year or more.
Average premium for full coverage: $1,024
Premium estimates by type of coverage:
Prices include $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Ridgeline models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Honda Ridgeline go from as low as $568 for minimum levels of liability insurance to a high rate of $2,192 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than congested cities.
The graphic below illustrates how location helps determine car insurance rates.
These rate differences demonstrate why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based on 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.
Additional Rate Details
The chart below details estimated 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 annually
- The average rate for a 40-year-old good driver with $500 deductibles is $1,024
- Buying low deductibles will cost an extra $144 annually
- Drivers with multiple tickets or accidents could pay upwards of $2,192 or more
- An auto insurance policy for full coverage for a 16-year-old driver may cost $4,194
Insurance prices for a Honda Ridgeline also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $4,100 a year. View Rates by Age
Where you choose to live also has a big influence on Honda Ridgeline insurance prices. A middle-age driver might find prices as low as $740 a year in states like New Hampshire, Ohio, and Utah, or at least $1,380 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $220 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $459 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 130% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different from one company to the next.
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 Find the Right Honda Ridgeline Insurance
Finding better rates on insurance for a Honda Ridgeline consists of having a good driving record, maintaining good credit, being claim-free, and bundling your home and auto policies. Invest time comparing rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.
The next list is a quick rundown of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,170 more each year to buy Honda Ridgeline insurance
- You may be able to save as much as $110 per year simply by quoting online in advance
- Increasing policy deductibles can save around $225 each year
- Insureds who require increased levels of liability coverage will pay around $560 every year to raise from 30/60 bodily injury limits to 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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