Honda Element Insurance Rates
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UPDATED: Jun 3, 2023
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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.
U.S. average insurance prices for a Honda Element are $906 every 12 months with full coverage. Comprehensive costs around $136, collision insurance costs $160, and liability costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs around $1,942. Teen drivers pay the highest rates at up to $3,712 a year.
Average premium for full coverage: $906
Price estimates for individual coverage:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Element models.
Price Range from Low to High
Using a middle-aged driver as an example, Honda Element insurance prices range from the cheapest price of $504 for just liability coverage to the much higher price of $1,942 for a policy for a high-risk driver.
Geographic Price Range
Your location can make a big difference on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas. The example below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why everyone should compare rates for a specific zip code and their own driving history, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below details average Honda Element insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $559
- Drivers who choose higher $1,000 deductibles will pay about $68 annually
- The average price for the average middle-age driver using $500 deductibles is $906
- Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,034
- Drivers with multiple violations and an at-fault accident could pay at least $1,942
- The price to insure a 16-year-old driver for full coverage can be $3,712 a year
Insurance prices for a Honda Element are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Choosing high deductibles could save up to $200 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $900 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $3,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,100 to $1,500 additional each year, depending on your age. Honda Element insurance for high-risk drivers can cost from 40% to 135% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Honda Element insurance prices. A 40-year-old driver could pay as low as $650 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,230 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $820 | -$86 | -9.5% |
| Alaska | $694 | -$212 | -23.4% |
| Arizona | $752 | -$154 | -17.0% |
| Arkansas | $906 | -$0 | 0.0% |
| California | $1,032 | $126 | 13.9% |
| Colorado | $864 | -$42 | -4.6% |
| Connecticut | $932 | $26 | 2.9% |
| Delaware | $1,024 | $118 | 13.0% |
| Florida | $1,134 | $228 | 25.2% |
| Georgia | $834 | -$72 | -7.9% |
| Hawaii | $650 | -$256 | -28.3% |
| Idaho | $612 | -$294 | -32.5% |
| Illinois | $674 | -$232 | -25.6% |
| Indiana | $682 | -$224 | -24.7% |
| Iowa | $610 | -$296 | -32.7% |
| Kansas | $862 | -$44 | -4.9% |
| Kentucky | $1,236 | $330 | 36.4% |
| Louisiana | $1,340 | $434 | 47.9% |
| Maine | $558 | -$348 | -38.4% |
| Maryland | $746 | -$160 | -17.7% |
| Massachusetts | $726 | -$180 | -19.9% |
| Michigan | $1,574 | $668 | 73.7% |
| Minnesota | $758 | -$148 | -16.3% |
| Mississippi | $1,084 | $178 | 19.6% |
| Missouri | $804 | -$102 | -11.3% |
| Montana | $972 | $66 | 7.3% |
| Nebraska | $716 | -$190 | -21.0% |
| Nevada | $1,086 | $180 | 19.9% |
| New Hampshire | $652 | -$254 | -28.0% |
| New Jersey | $1,012 | $106 | 11.7% |
| New Mexico | $802 | -$104 | -11.5% |
| New York | $954 | $48 | 5.3% |
| North Carolina | $522 | -$384 | -42.4% |
| North Dakota | $742 | -$164 | -18.1% |
| Ohio | $626 | -$280 | -30.9% |
| Oklahoma | $930 | $24 | 2.6% |
| Oregon | $830 | -$76 | -8.4% |
| Pennsylvania | $864 | -$42 | -4.6% |
| Rhode Island | $1,208 | $302 | 33.3% |
| South Carolina | $820 | -$86 | -9.5% |
| South Dakota | $764 | -$142 | -15.7% |
| Tennessee | $794 | -$112 | -12.4% |
| Texas | $1,092 | $186 | 20.5% |
| Utah | $672 | -$234 | -25.8% |
| Vermont | $620 | -$286 | -31.6% |
| Virginia | $542 | -$364 | -40.2% |
| Washington | $700 | -$206 | -22.7% |
| West Virginia | $830 | -$76 | -8.4% |
| Wisconsin | $626 | -$280 | -30.9% |
| Wyoming | $808 | -$98 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Element LX 2WD | $890 | $74 |
| Honda Element LX 4WD | $890 | $74 |
| Honda Element EX 2WD | $906 | $76 |
| Honda Element EX 4WD | $906 | $76 |
| Honda Element SC 2WD | $906 | $76 |
Rates assume 2005 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 |
|---|---|---|---|---|
| 2008 Honda Element | $146 | $190 | $474 | $968 |
| 2006 Honda Element | $140 | $166 | $460 | $924 |
| 2005 Honda Element | $136 | $160 | $452 | $906 |
| 2004 Honda Element | $126 | $152 | $446 | $882 |
| 2003 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 Low Cost Honda Element Insurance
Getting lower rates on insurance for a Honda Element not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop every year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a review of the coverage data touched on in the above illustrations.
- You may be able to save up to $100 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $200 each year
- Youthful drivers are charged the highest prices, costing up to $309 a month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,040 more every year than a low-risk driver
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 | $3,712 |
| 20 | $2,068 |
| 30 | $914 |
| 40 | $906 |
| 50 | $832 |
| 60 | $814 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,034 |
| $250 | $976 |
| $500 | $906 |
| $1,000 | $838 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $906 |
| 50/100 | $996 |
| 100/300 | $1,109 |
| 250/500 | $1,403 |
| 100 CSL | $1,042 |
| 300 CSL | $1,290 |
| 500 CSL | $1,471 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,208 |
| 20 | $3,290 |
| 30 | $1,948 |
| 40 | $1,942 |
| 50 | $1,858 |
| 60 | $1,840 |
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 | $45 |
| Multi-vehicle | $49 |
| Homeowner | $17 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $30 |
| Advance Quote | $38 |
| Online Quote | $60 |
| Total Discounts | $347 |
Discounts are estimated and may not be available from every company or in every state.
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