Insurance for Honda Vehicles

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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The table below shows estimated insurance rates for popular Honda vehicles. Additional models are displayed at the bottom of the page

Insurance Rates for Honda Vehicles
Vehicle Model Annual Premium Monthly Premium
Honda Accord $1,310 $109
Honda Civic $1,536 $128
Honda CR-V $1,140 $95
Honda CR-Z $1,378 $115
Honda Element $1,324 $110
Honda Fit $1,168 $97
Honda HR-V $1,356 $113
Honda Insight $1,372 $114
Honda Odyssey $1,342 $112
Honda Passport $1,470 $123
Honda Pilot $1,336 $111
Honda Ridgeline $1,498 $125
Get Rates for Your Model Go

Rates assume current 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.

View Chart as Image

Average insurance cost for Honda vehicles
Column chart showing average insurance prices for Honda vehicles range from $791 to $5,052 for full coverage

The chart above uses the data from all Honda models in the table above as an example of how different scenarios can have a huge impact on car insurance rates.

Car insurance rates for a Honda can vary considerably based on the trim level of your Ridgeline, your driver profile, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $5,000 a year.

If you like to drive fast or you caused a few accidents, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 131% more than a normal policy.

View Chart as Image

Honda insurance by risk and age

Using high physical damage deductibles could cut rates by as much as $560 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 extra every 12 months

View Chart as Image

Honda insurance by deductible and liability limit

Where you live has a huge impact on Honda insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,970 on average in Michigan, Louisiana, and Montana.

Honda Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,238 -$132 -9.6%
Alaska $1,052 -$318 -23.2%
Arizona $1,138 -$232 -16.9%
Arkansas $1,370 -$0 0.0%
California $1,560 $190 13.9%
Colorado $1,310 -$60 -4.4%
Connecticut $1,408 $38 2.8%
Delaware $1,552 $182 13.3%
Florida $1,714 $344 25.1%
Georgia $1,266 -$104 -7.6%
Hawaii $986 -$384 -28.0%
Idaho $926 -$444 -32.4%
Illinois $1,022 -$348 -25.4%
Indiana $1,030 -$340 -24.8%
Iowa $926 -$444 -32.4%
Kansas $1,302 -$68 -5.0%
Kentucky $1,870 $500 36.5%
Louisiana $2,030 $660 48.2%
Maine $846 -$524 -38.2%
Maryland $1,130 -$240 -17.5%
Massachusetts $1,096 -$274 -20.0%
Michigan $2,380 $1,010 73.7%
Minnesota $1,148 -$222 -16.2%
Mississippi $1,640 $270 19.7%
Missouri $1,216 -$154 -11.2%
Montana $1,472 $102 7.4%
Nebraska $1,080 -$290 -21.2%
Nevada $1,644 $274 20.0%
New Hampshire $988 -$382 -27.9%
New Jersey $1,532 $162 11.8%
New Mexico $1,212 -$158 -11.5%
New York $1,444 $74 5.4%
North Carolina $790 -$580 -42.3%
North Dakota $1,122 -$248 -18.1%
Ohio $944 -$426 -31.1%
Oklahoma $1,408 $38 2.8%
Oregon $1,256 -$114 -8.3%
Pennsylvania $1,308 -$62 -4.5%
Rhode Island $1,828 $458 33.4%
South Carolina $1,242 -$128 -9.3%
South Dakota $1,156 -$214 -15.6%
Tennessee $1,202 -$168 -12.3%
Texas $1,650 $280 20.4%
Utah $1,016 -$354 -25.8%
Vermont $938 -$432 -31.5%
Virginia $820 -$550 -40.1%
Washington $1,060 -$310 -22.6%
West Virginia $1,256 -$114 -8.3%
Wisconsin $950 -$420 -30.7%
Wyoming $1,222 -$148 -10.8%

With so much variability in rates, the only way to know your exact price is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

Additional Honda Vehicles


U.S. averages for full coverage Honda vehicle insurance

Average Policy Cost $1,370
Comprehensive Premium $308
Collision Premium $532
Liability Premium $372

National average data is compiled from all 50 U.S. states for the Honda models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

Honda Vehicle Insurance Rates by Driver Age
Driver Age Premium
16 $5,052
20 $3,150
30 $1,432
40 $1,370
50 $1,252
60 $1,226

Full coverage, $500 deductibles

Rates by Deductible

Honda Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,738
$250 $1,568
$500 $1,370
$1,000 $1,178

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $7,208
20 $5,000
30 $3,018
40 $2,954
50 $2,814
60 $2,788

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 $188

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $101
5-yr Claim Free $88
Paid in Full/EFT $63
Advance Quote $67
Online Quote $97
Total Discounts $579
Rate after discounts $791

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

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