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.
The average insurance prices for a Honda Element are $998 every 12 months for full coverage. Comprehensive costs around $156 each year, collision costs $210, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing around $2,148. 16-year-old drivers cost the most to insure at $4,040 a year or more.
Average premium for full coverage: $998
Policy rates for type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Element models.
Price Range Variability
Using a 40-year-old driver as an example, Honda Element insurance rates go from the cheapest price of $522 for minimum levels of liability insurance to a high rate of $2,148 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than congested cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
The examples above show why all drivers should get quotes for a specific zip code and their own driving history, instead of using rate 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.
Additional Rate Details
The chart below shows estimated Honda Element insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $606
- Choosing higher $1,000 deductibles can save about $84 a year
- The average price for a good driver age 40 using $500 deductibles is $998
- Buying low deductibles for comp and collision coverage increases the price to $1,154
- Unlucky drivers with multiple tickets or accidents could pay at least $2,148 or more
- Policy cost to insure a teen driver can be $4,040 each year
Car insurance rates for a Honda Element also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $240 every year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $4,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 134% more than the average rate. View High Risk Driver Rates
Your home state plays a big part in determining prices for Honda Element insurance prices. A good driver about age 40 could pay as low as $660 a year in states like Idaho, Maine, and Iowa, or at least $1,420 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $902 | -$96 | -9.6% |
| Alaska | $762 | -$236 | -23.6% |
| Arizona | $826 | -$172 | -17.2% |
| Arkansas | $998 | -$0 | 0.0% |
| California | $1,134 | $136 | 13.6% |
| Colorado | $952 | -$46 | -4.6% |
| Connecticut | $1,026 | $28 | 2.8% |
| Delaware | $1,130 | $132 | 13.2% |
| Florida | $1,248 | $250 | 25.1% |
| Georgia | $920 | -$78 | -7.8% |
| Hawaii | $716 | -$282 | -28.3% |
| Idaho | $674 | -$324 | -32.5% |
| Illinois | $742 | -$256 | -25.7% |
| Indiana | $748 | -$250 | -25.1% |
| Iowa | $672 | -$326 | -32.7% |
| Kansas | $948 | -$50 | -5.0% |
| Kentucky | $1,360 | $362 | 36.3% |
| Louisiana | $1,474 | $476 | 47.7% |
| Maine | $616 | -$382 | -38.3% |
| Maryland | $820 | -$178 | -17.8% |
| Massachusetts | $798 | -$200 | -20.0% |
| Michigan | $1,732 | $734 | 73.5% |
| Minnesota | $834 | -$164 | -16.4% |
| Mississippi | $1,192 | $194 | 19.4% |
| Missouri | $884 | -$114 | -11.4% |
| Montana | $1,070 | $72 | 7.2% |
| Nebraska | $786 | -$212 | -21.2% |
| Nevada | $1,196 | $198 | 19.8% |
| New Hampshire | $716 | -$282 | -28.3% |
| New Jersey | $1,114 | $116 | 11.6% |
| New Mexico | $884 | -$114 | -11.4% |
| New York | $1,050 | $52 | 5.2% |
| North Carolina | $574 | -$424 | -42.5% |
| North Dakota | $816 | -$182 | -18.2% |
| Ohio | $688 | -$310 | -31.1% |
| Oklahoma | $1,024 | $26 | 2.6% |
| Oregon | $912 | -$86 | -8.6% |
| Pennsylvania | $952 | -$46 | -4.6% |
| Rhode Island | $1,328 | $330 | 33.1% |
| South Carolina | $902 | -$96 | -9.6% |
| South Dakota | $840 | -$158 | -15.8% |
| Tennessee | $874 | -$124 | -12.4% |
| Texas | $1,200 | $202 | 20.2% |
| Utah | $738 | -$260 | -26.1% |
| Vermont | $684 | -$314 | -31.5% |
| Virginia | $596 | -$402 | -40.3% |
| Washington | $772 | -$226 | -22.6% |
| West Virginia | $912 | -$86 | -8.6% |
| Wisconsin | $690 | -$308 | -30.9% |
| Wyoming | $888 | -$110 | -11.0% |
Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Element LX 2WD | $976 | $81 |
| Honda Element LX 4WD | $976 | $81 |
| Honda Element EX 2WD | $998 | $83 |
| Honda Element EX 4WD | $998 | $83 |
| Honda Element SC 2WD | $998 | $83 |
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 | $156 | $210 | $474 | $998 |
| 2010 Honda Element | $146 | $190 | $474 | $968 |
| 2008 Honda Element | $140 | $166 | $460 | $924 |
| 2006 Honda Element | $126 | $152 | $446 | $882 |
| 2005 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 Right Honda Element Insurance
Finding cheaper rates on car insurance takes avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at every policy renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The list below is a quick rundown of the data raised in the charts and tables above.
- Policyholders who may need higher liability limits will pay around $520 each year to raise limits from a 30/60 limit to a 250/500 level
- Drivers can save up to $110 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $250 each year
- Teenagers are the costliest to insure, costing up to $337 each month if the policy includes full coverage
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 | $4,040 |
| 20 | $2,282 |
| 30 | $1,012 |
| 40 | $998 |
| 50 | $914 |
| 60 | $896 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,154 |
| $250 | $1,082 |
| $500 | $998 |
| $1,000 | $914 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $998 |
| 50/100 | $1,093 |
| 100/300 | $1,211 |
| 250/500 | $1,519 |
| 100 CSL | $1,140 |
| 300 CSL | $1,401 |
| 500 CSL | $1,591 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,688 |
| 20 | $3,640 |
| 30 | $2,162 |
| 40 | $2,148 |
| 50 | $2,054 |
| 60 | $2,032 |
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 | $50 |
| Multi-vehicle | $54 |
| Homeowner | $18 |
| 5-yr Accident Free | $60 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $36 |
| Advance Quote | $44 |
| Online Quote | $67 |
| Total Discounts | $392 |
Discounts are estimated and may not be available from every company or in every state.
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