Honda Element Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
Average insurance prices for a Honda Element are $968 every 12 months for full coverage. Comprehensive costs around $146, collision costs $190, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,084. Teens receive the highest rates at $3,952 a year or more.
Average premium for full coverage: $968
Rate estimates for individual coverage type:
Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Element trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $522 for just liability coverage to a much higher rate of $2,084 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects auto insurance rates.
These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.
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.
Detailed Rate Analysis
The chart below shows estimated Honda Element insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $589
- Raising to $1,000 deductibles will save about $78 a year
- The average price for a 40-year-old driver using $500 deductibles is $968
- Selecting more expensive low deductibles increases the price to $1,114
- Drivers with serious driving violations could pay at least $2,084 or more
- The cost to insure a 16-year-old driver with full coverage can be $3,952
Auto insurance rates for a Honda Element can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $230 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $3,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,200 to $1,700 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 138% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Honda Element insurance prices. A middle-age driver might find rates as low as $640 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,380 on average in Michigan, Louisiana, and New York.
| 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 so much variability in rates, the only way to know your exact price is to compare rates from multiple companies. Every auto insurance company calculates rates differently, and quoted rates can be significantly different.
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 Shop for the Best Cheap Honda Element Insurance
Saving money on insurance for a Honda Element consists of being a low-risk driver, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a quick review of the data touched on in the above illustrations.
- Insureds who may need more liability coverage will pay approximately $520 each year to raise from a minimum limit to a 250/500 level
- Drivers can save up to $110 per year simply by shopping early and online
- Increasing deductibles could save as much as $225 each year
- Teen drivers are expensive to insure, costing as high as $329 per month if comprehensive and collision insurance is included
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
