Honda Ridgeline RT 4WD Insurance Rates

Estimated insurance rates for a Honda Ridgeline RT 4WD are $1,410 a year with full coverage. Comprehensive costs around $312, collision costs $508, and liability costs $410. A policy with only liability insurance costs as little as $486 a year, with a high-risk policy costing around $3,026. Teen drivers pay the most at $5,248 a year or more.

Annual premium for full coverage: $1,410

Premium estimates for type of coverage:

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

Price Range for Insurance for this Honda Ridgeline Trim Level

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than larger metro areas.

The example below illustrates how location helps determine auto insurance rates.

These rate differences demonstrate why everyone should compare rates for a specific zip code, instead of using price averages.

Use the form below to get rates for your location.

Car insurance rates for a Honda Ridgeline RT 4WD also have a wide range based on the replacement cost of your Ridgeline, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,600 to $2,300 extra annually, depending on your age. Honda Ridgeline RT 4WD insurance for high-risk drivers can cost as much as 44% to 127% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Honda Ridgeline RT 4WD insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $550 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $369 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range of prices, the best way to find out your exact price is to regularly compare prices and see which company has the best price. Every company uses a different rate calculation, so rate quotes will be substantially different.

View Chart as Image

The chart above shows Honda Ridgeline RT 4WD insurance prices for different risks and coverage choices. The best price after discounts is $828. Drivers who choose higher $1,000 deductibles will pay $1,224. The average price for a driver age 40 with no violations using $500 deductibles is $1,410. Selecting more expensive $100 deductibles for comp and collision coverage can cost as much as $1,770. High risk drivers could be charged up to $3,026. The rate for full coverage insurance for a 16-year-old driver is $5,248.

View Chart as Image