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.
Average insurance prices for a Honda Element are $998 every 12 months with full coverage. Comprehensive insurance costs around $156 each year, collision costs $210, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,148 or more. Teen drivers receive the highest rates at $4,040 a year or more.
Average premium for full coverage: $998
Rate estimates for individual coverage type:
Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Element models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $522 for just the minimum liability insurance to a high rate of $2,148 for coverage for higher-risk drivers.
Price Range by Location
Your location can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance rates.
These examples demonstrate why all drivers should compare rates for a specific zip code and their own driving history, instead of 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.
Additional Rate Analysis
The chart below details estimated Honda Element insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $606
- Drivers who choose higher $1,000 deductibles will pay about $84 annually
- The average price for a 40-year-old driver using $500 deductibles is $998
- Choosing low deductibles for comprehensive and collision insurance costs an extra $156 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,148 or more
- The cost to insure a teen driver can be $4,040 a year
Insurance rates for a Honda Element can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Choosing high deductibles could save up to $240 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $4,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,200 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 134% more than average. View High Risk Driver Rates
Where you live makes a big difference in Honda Element insurance prices. A 40-year-old driver could pay as low as $720 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,350 on average in Florida, Michigan, 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% |
With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so the rates can be significantly different.
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 Affordable Honda Element Insurance
Saving money on car insurance not only requires being a low-risk driver, but also having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a brief review of the primary concepts that were raised in the charts and tables above.
- You may be able to save up to $110 per year simply by quoting online in advance
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,150 more every year to insure their Element
- Increasing deductibles could save as much as $250 each year
- Teen drivers pay higher rates, with premiums as much as $337 per month if they have 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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