Honda Element Insurance Rates
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UPDATED: Jun 1, 2024
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How much is full insurance coverage per month for a Honda Element? The average Honda Element auto insurance policy costs $93 a month, or $1,124 a year. Read on to learn what drivers can do to save on Honda Element insurance rates and other vehicles.
To start comparison shopping for Honda Element insurance rates, enter your ZIP code in our free tool above.
Estimated auto insurance rates for a Honda Element are $968 annually including full coverage. Comprehensive costs approximately $146, collision costs $190, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,084. Teen drivers pay the most at $3,952 a year or more.
Average premium for full coverage: $968
Premium estimates by type of coverage:
Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Element trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Honda Element go from as cheap as $522 for just liability insurance to a much higher rate of $2,084 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location has a large influence on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.
The price range example below illustrates the difference location can make on auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down estimated Honda Element insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $589
- Drivers who choose higher $1,000 deductibles will pay $78 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $968
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,114
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,084 or more
- An auto insurance policy with full coverage for a teenage driver with full coverage can cost $3,952 a year
Insurance prices for a Honda Element also have a wide range based on the model of your Element, your driving characteristics, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high physical damage deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $3,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance can cost around 43% to 138% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $230 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Honda Element insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,380 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $876 | -$92 | -9.5% |
| Alaska | $742 | -$226 | -23.3% |
| Arizona | $804 | -$164 | -16.9% |
| Arkansas | $968 | -$0 | 0.0% |
| California | $1,102 | $134 | 13.8% |
| Colorado | $926 | -$42 | -4.3% |
| Connecticut | $996 | $28 | 2.9% |
| Delaware | $1,098 | $130 | 13.4% |
| Florida | $1,212 | $244 | 25.2% |
| Georgia | $892 | -$76 | -7.9% |
| Hawaii | $694 | -$274 | -28.3% |
| Idaho | $652 | -$316 | -32.6% |
| Illinois | $720 | -$248 | -25.6% |
| Indiana | $728 | -$240 | -24.8% |
| Iowa | $652 | -$316 | -32.6% |
| Kansas | $920 | -$48 | -5.0% |
| Kentucky | $1,322 | $354 | 36.6% |
| Louisiana | $1,432 | $464 | 47.9% |
| Maine | $598 | -$370 | -38.2% |
| Maryland | $796 | -$172 | -17.8% |
| Massachusetts | $774 | -$194 | -20.0% |
| Michigan | $1,682 | $714 | 73.8% |
| Minnesota | $810 | -$158 | -16.3% |
| Mississippi | $1,158 | $190 | 19.6% |
| Missouri | $858 | -$110 | -11.4% |
| Montana | $1,038 | $70 | 7.2% |
| Nebraska | $762 | -$206 | -21.3% |
| Nevada | $1,162 | $194 | 20.0% |
| New Hampshire | $698 | -$270 | -27.9% |
| New Jersey | $1,082 | $114 | 11.8% |
| New Mexico | $858 | -$110 | -11.4% |
| New York | $1,020 | $52 | 5.4% |
| North Carolina | $558 | -$410 | -42.4% |
| North Dakota | $794 | -$174 | -18.0% |
| Ohio | $668 | -$300 | -31.0% |
| Oklahoma | $996 | $28 | 2.9% |
| Oregon | $886 | -$82 | -8.5% |
| Pennsylvania | $926 | -$42 | -4.3% |
| Rhode Island | $1,290 | $322 | 33.3% |
| South Carolina | $876 | -$92 | -9.5% |
| South Dakota | $818 | -$150 | -15.5% |
| Tennessee | $848 | -$120 | -12.4% |
| Texas | $1,166 | $198 | 20.5% |
| Utah | $716 | -$252 | -26.0% |
| Vermont | $664 | -$304 | -31.4% |
| Virginia | $580 | -$388 | -40.1% |
| Washington | $748 | -$220 | -22.7% |
| West Virginia | $886 | -$82 | -8.5% |
| Wisconsin | $672 | -$296 | -30.6% |
| Wyoming | $864 | -$104 | -10.7% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices and see how they stack up. Every company uses a different rate calculation, so the prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Element LX 2WD | $950 | $79 |
| Honda Element LX 4WD | $950 | $79 |
| Honda Element EX 2WD | $968 | $81 |
| Honda Element EX 4WD | $968 | $81 |
| Honda Element SC 2WD | $968 | $81 |
Rates assume 2011 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Honda Element | $146 | $190 | $474 | $968 |
| 2010 Honda Element | $142 | $170 | $468 | $938 |
| 2008 Honda Element | $136 | $160 | $452 | $906 |
| 2006 Honda Element | $120 | $144 | $442 | $864 |
Rates are averaged for all Honda Element models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Cheapest Honda Element Insurance
Finding better rates on auto insurance not only requires having a decent driving record, but also having a good credit history, refrain from filing small claims, and maximizing policy discounts. Make time to compare rates at least once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
The following items are a recap of the primary concepts that were touched on in this article.
- You may be able to save around $110 per year simply by shopping early and online
- Drivers that have major violations or accidents may have to pay on average $1,120 more per year than a driver with a clean driving record
- Increasing policy deductibles could save up to $225 each year
- 16 to 18-year-old drivers are expensive to insure, with the cost nearing $329 per month including comprehensive and collision insurance
Shopping for Honda Element insurance rates is one of the best ways to reduce rates. It will also help you discover how much does a new Honda Element cost in comparison to an older model, such as a 2010 model.
To find rates on multiple Honda Element years, enter your ZIP code in our free tool below.
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What are the safety ratings of the Honda Element?
How much is insurance on a 2020 Honda Element? Good Honda Element safety ratings can help lower insurance costs, so a 2020 Honda Element with all the latest safety features and good crash test ratings may be cheaper to insure than an older model with poor safety features.
The Honda Element has some great safety features: 4-wheel anti-lock braking system (ABS), vehicle stability assist (VSA), side-impact door beams, and a tire pressure monitoring system. The Insurance Institute for Highway Safety (IIHS) also awarded the Honda Element with a 2011 Top Safety Pick award, as it tested well in the following crash tests:
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The video below shows an example of one of the Honda Element’s crash tests.
Honda Element Compared Against Other Vehicles in the Same Class
The Honda Element is classified as a small SUV, and SUVS are prone to having higher liability insurance losses. However, the IIHS does not have data on how the Honda Element’s liability losses compare to other small SUVs. To see how other small SUVs’ rates compare to the Honda Elements’ rates, take a look at the list below.
To jump right into finding the best Honda Element insurance rates, enter your ZIP code in our free tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,952 |
| 20 | $2,216 |
| 30 | $980 |
| 40 | $968 |
| 50 | $890 |
| 60 | $870 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,114 |
| $250 | $1,048 |
| $500 | $968 |
| $1,000 | $890 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $968 |
| 50/100 | $1,063 |
| 100/300 | $1,181 |
| 250/500 | $1,489 |
| 100 CSL | $1,110 |
| 300 CSL | $1,371 |
| 500 CSL | $1,561 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,556 |
| 20 | $3,536 |
| 30 | $2,096 |
| 40 | $2,084 |
| 50 | $1,994 |
| 60 | $1,972 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $49 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $42 |
| Online Quote | $65 |
| Total Discounts | $379 |
Discounts are estimated and may not be available from every company or in every state.
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