Honda Ridgeline RTL 4WD Insurance Rates

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U.S. average insurance rates for a Honda Ridgeline RTL 4WD are $1,502 a year including full coverage. Comprehensive insurance costs on average $340 each year, collision insurance costs $572, and liability costs $410. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs $3,228 or more. Teenage drivers pay the highest rates at up to $5,536 a year.

Annual premium for full coverage: $1,502

Price estimates by individual coverage:

Comprehensive $340
Collision $572
Liability $410

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Honda Ridgeline Trim Level

Using a middle-aged driver as an example, Honda Ridgeline RTL 4WD insurance prices range from as low as $486 for your basic liability-only policy to a high rate of $3,228 for a high-risk driver policy.

Liability Only $486
Full Coverage $1,502
High Risk $3,228

These price ranges highlight why all drivers should compare rates based on a specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

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Car insurance rates for a Honda Ridgeline RTL 4WD are also quite variable based on your driving record, the replacement cost of your Ridgeline, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teenage drivers, where even good drivers will be charged upwards of $5,500 a year. View Rates by Age

The state you live in makes a big difference in Honda Ridgeline RTL 4WD insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $610 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase rates by as much as $369 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Since rates can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes may be quite different from one company to the next.

View Chart as Image

Honda Ridgeline RTL 4WD insurance cost comparison chart
Column chart showing Honda Ridgeline RTL 4WD insurance prices range from $874 to $5,536 for full coverage

The chart above shows average Honda Ridgeline RTL 4WD insurance rates for various risk profiles and scenarios. The best rate after discounts is $874. Drivers who use higher $1,000 deductibles will pay around $1,294. The average rate for a 40-year-old male driver using $500 deductibles is $1,502. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $1,902. Drivers with multiple violations and accidents could be charged at least $3,228. The policy rate for full coverage for a teen driver is $5,536.

Honda Ridgeline RTL 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,358 -$144 -9.6%
Alaska $1,152 -$350 -23.3%
Arizona $1,246 -$256 -17.0%
Arkansas $1,502 -$0 0.0%
California $1,712 $210 14.0%
Colorado $1,434 -$68 -4.5%
Connecticut $1,544 $42 2.8%
Delaware $1,700 $198 13.2%
Florida $1,880 $378 25.2%
Georgia $1,388 -$114 -7.6%
Hawaii $1,076 -$426 -28.4%
Idaho $1,018 -$484 -32.2%
Illinois $1,118 -$384 -25.6%
Indiana $1,132 -$370 -24.6%
Iowa $1,014 -$488 -32.5%
Kansas $1,426 -$76 -5.1%
Kentucky $2,048 $546 36.4%
Louisiana $2,224 $722 48.1%
Maine $928 -$574 -38.2%
Maryland $1,238 -$264 -17.6%
Massachusetts $1,198 -$304 -20.2%
Michigan $2,608 $1,106 73.6%
Minnesota $1,258 -$244 -16.2%
Mississippi $1,800 $298 19.8%
Missouri $1,332 -$170 -11.3%
Montana $1,614 $112 7.5%
Nebraska $1,184 -$318 -21.2%
Nevada $1,802 $300 20.0%
New Hampshire $1,084 -$418 -27.8%
New Jersey $1,680 $178 11.9%
New Mexico $1,330 -$172 -11.5%
New York $1,582 $80 5.3%
North Carolina $864 -$638 -42.5%
North Dakota $1,230 -$272 -18.1%
Ohio $1,036 -$466 -31.0%
Oklahoma $1,542 $40 2.7%
Oregon $1,376 -$126 -8.4%
Pennsylvania $1,432 -$70 -4.7%
Rhode Island $2,004 $502 33.4%
South Carolina $1,362 -$140 -9.3%
South Dakota $1,268 -$234 -15.6%
Tennessee $1,314 -$188 -12.5%
Texas $1,808 $306 20.4%
Utah $1,110 -$392 -26.1%
Vermont $1,026 -$476 -31.7%
Virginia $898 -$604 -40.2%
Washington $1,160 -$342 -22.8%
West Virginia $1,376 -$126 -8.4%
Wisconsin $1,040 -$462 -30.8%
Wyoming $1,338 -$164 -10.9%

View Chart as Image

Honda Ridgeline RTL 4WD insurance rates by U.S. city

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Rates by Driver Age

Honda Ridgeline RTL 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,536
20 $3,444
30 $1,568
40 $1,502
50 $1,370
60 $1,342

Full coverage, $500 deductibles

Rates by Deductible

Honda Ridgeline RTL 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,902
$250 $1,716
$500 $1,502
$1,000 $1,294

Full coverage, driver age 40

Rates by Liability Limit

Honda Ridgeline RTL 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,502
50/100 $1,584
100/300 $1,687
250/500 $1,953
100 CSL $1,625
300 CSL $1,851
500 CSL $2,015

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Ridgeline RTL 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,892
20 $5,462
30 $3,302
40 $3,228
50 $3,078
60 $3,048

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.

SR-22 Surcharge $204

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $109
5-yr Claim Free $96
Paid in Full/EFT $68
Advance Quote $73
Online Quote $106
Total Discounts $628
Rate after discounts $874

Discounts are estimated and may not be available from every company or in every state.

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