Honda Ridgeline RTL W/Navigation 4WD Insurance Rates

The average insurance rates for a Honda Ridgeline RTL W/Navigation 4WD are $1,548 a year with full coverage. Comprehensive costs approximately $354 a year, collision costs $604, and liability costs $410. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $3,330. Teen drivers cost the most to insure at $5,680 a year or more.

Annual premium for full coverage: $1,548

Policy rates by individual coverage type:

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

Price Range for Insurance for this Honda Ridgeline Trim Level

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These price differences demonstrate why it is important for drivers to compare rates using their specific location and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Car insurance rates for a Honda Ridgeline RTL W/Navigation 4WD also range considerably based on your risk profile, the actual cash value of your Ridgeline, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $5,600 a year. View Rates by Age

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

Choosing high deductibles could save up to $640 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $369 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which company is cheapest is to get quotes and see which company has the best rate. Every company uses a different rate calculation, so rate quotes will be varied from one company to the next.

View Chart as Image

The chart above shows Honda Ridgeline RTL W/Navigation 4WD insurance rates for different risk profiles and scenarios. The best rate after discounts is $896. Drivers who choose higher $1,000 deductibles will pay around $1,330. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,548. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,968. High risk drivers could be charged around $3,330. The cost for full coverage insurance for a teenager is $5,680.

View Chart as Image