Honda Element LX 4WD Insurance Rates

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The average insurance rates for a Honda Element LX 4WD are $1,282 a year including full coverage. Comprehensive insurance costs around $284, collision insurance costs $476, and liability costs around $364. Buying just liability costs as low as $430 a year, and insurance for high-risk drivers costs $2,758 or more. Teen drivers cost the most to insure at up to $4,762 a year.

Annual premium for full coverage: $1,282

Policy rates for type of insurance:

Comprehensive $284
Collision $476
Liability $364

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

Price Range for Insurance for this Honda Element Trim Level

For a driver around age 40, Honda Element LX 4WD insurance rates range from as low as $430 for just the minimum liability insurance to a much higher rate of $2,758 for a high-risk insurance policy.

Liability Only $430
Full Coverage $1,282
High Risk $2,758

These price differences highlight why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using price averages.

Use the form below to get rates for your location.

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Insurance rates for a Honda Element LX 4WD also range considerably based on your risk profile, the replacement cost of your Element, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $4,700 a year. View Rates by Age

Your home state has a huge impact on Honda Element LX 4WD insurance prices. A driver around age 40 might see rates as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $510 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be as much as 44% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates will be varied from one company to the next.

View Chart as Image

Honda Element LX 4WD insurance cost comparison chart
Column chart showing Honda Element LX 4WD insurance prices range from $748 to $4,762 for full coverage

The chart above shows average Honda Element LX 4WD insurance rates for various risk profiles and scenarios. The best rate after discounts is $748. Drivers who choose higher $1,000 deductibles will pay around $1,110. The average rate for a driver age 40 with no violations using $500 deductibles is $1,282. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,618. High risk drivers could be charged around $2,758. The price for full coverage for a 16-year-old driver can be as high as $4,762.

Honda Element LX 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,160 -$122 -9.5%
Alaska $984 -$298 -23.2%
Arizona $1,066 -$216 -16.8%
Arkansas $1,282 -$0 0.0%
California $1,462 $180 14.0%
Colorado $1,228 -$54 -4.2%
Connecticut $1,320 $38 3.0%
Delaware $1,454 $172 13.4%
Florida $1,606 $324 25.3%
Georgia $1,186 -$96 -7.5%
Hawaii $922 -$360 -28.1%
Idaho $866 -$416 -32.4%
Illinois $956 -$326 -25.4%
Indiana $966 -$316 -24.6%
Iowa $866 -$416 -32.4%
Kansas $1,220 -$62 -4.8%
Kentucky $1,750 $468 36.5%
Louisiana $1,900 $618 48.2%
Maine $792 -$490 -38.2%
Maryland $1,060 -$222 -17.3%
Massachusetts $1,026 -$256 -20.0%
Michigan $2,230 $948 73.9%
Minnesota $1,074 -$208 -16.2%
Mississippi $1,538 $256 20.0%
Missouri $1,138 -$144 -11.2%
Montana $1,378 $96 7.5%
Nebraska $1,012 -$270 -21.1%
Nevada $1,540 $258 20.1%
New Hampshire $926 -$356 -27.8%
New Jersey $1,434 $152 11.9%
New Mexico $1,136 -$146 -11.4%
New York $1,352 $70 5.5%
North Carolina $740 -$542 -42.3%
North Dakota $1,052 -$230 -17.9%
Ohio $884 -$398 -31.0%
Oklahoma $1,320 $38 3.0%
Oregon $1,176 -$106 -8.3%
Pennsylvania $1,224 -$58 -4.5%
Rhode Island $1,712 $430 33.5%
South Carolina $1,164 -$118 -9.2%
South Dakota $1,082 -$200 -15.6%
Tennessee $1,126 -$156 -12.2%
Texas $1,548 $266 20.7%
Utah $950 -$332 -25.9%
Vermont $878 -$404 -31.5%
Virginia $768 -$514 -40.1%
Washington $992 -$290 -22.6%
West Virginia $1,178 -$104 -8.1%
Wisconsin $890 -$392 -30.6%
Wyoming $1,144 -$138 -10.8%

View Chart as Image

Honda Element LX 4WD insurance rates by U.S. city

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Rates by Driver Age

Honda Element LX 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,762
20 $2,944
30 $1,338
40 $1,282
50 $1,170
60 $1,148

Full coverage, $500 deductibles

Rates by Deductible

Honda Element LX 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,464
$500 $1,282
$1,000 $1,110

Full coverage, driver age 40

Rates by Liability Limit

Honda Element LX 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,282
50/100 $1,355
100/300 $1,446
250/500 $1,682
100 CSL $1,391
300 CSL $1,591
500 CSL $1,737

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Element LX 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,778
20 $4,672
30 $2,818
40 $2,758
50 $2,630
60 $2,606

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $65
Homeowner $19
5-yr Accident Free $92
5-yr Claim Free $81
Paid in Full/EFT $58
Advance Quote $62
Online Quote $90
Total Discounts $534
Rate after discounts $748

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

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