Honda Element Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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.

Average auto insurance rates for a Honda Element are $906 annually for full coverage insurance. Comprehensive costs approximately $136 each year, collision costs $160, and liability insurance costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing around $1,942. 16-year-old drivers receive the highest rates at $3,712 a year or more.

Average premium for full coverage: $906

Rate estimates by individual coverage type:

Comprehensive $136
Collision $160
Liability $452

Includes $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Element models.

Price Range by Coverage and Risk

For the average driver, prices range go from as cheap as $504 for liability-only coverage to a high rate of $1,942 for a driver that may need high-risk insurance.

Liability Only $504
Full Coverage $906
High Risk $1,942

Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations tend to have fewer physical damage claims than congested cities.

The graphic below illustrates how location impacts auto insurance prices.

Rural Areas $680
Small Cities $951
Large Cities $1,223

These examples illustrate why all drivers should compare prices using their specific location and their own personal driving habits, rather than relying on 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 Charts and Tables

The chart below illustrates estimated Honda Element insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $559
  • Using higher $1,000 deductibles will save $68 each year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $906
  • Buying low deductibles for physical damage coverage will cost $1,034
  • Drivers with multiple tickets or accidents could pay around $1,942 or more
  • The cost with full coverage for a teen driver can cost $3,712 or more

View Chart as Image

Honda Element insurance cost comparison chart
Column chart showing full coverage Honda Element insurance rates range from $559 to $3,712

Auto insurance rates for a Honda Element can also vary considerably based on the trim level of your Element, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $900 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,100 to $1,500 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 40% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $200 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Honda Element insurance rates. A driver around age 40 might see rates as low as $590 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,230 on average in Florida, New York, and Michigan.

Honda Element Insurance Rates by State
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%

View Chart as Image

Honda Element insurance rates by U.S. city

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Honda Element Insurance Rates by Model and Trim Level
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.

Honda Element Insurance Rates by Model Year
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 Buy the Cheapest Honda Element Insurance

Saving money on Honda Element insurance requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following list is a recap of the data that was touched on above.

  • It is possible to save around $100 per year simply by quoting online in advance
  • Drivers who purchase an increased level of liability coverage will pay around $500 annually to increase from a minimum limit to higher 250/500 limits
  • Drivers age 16 to 20 have the highest car insurance rates, costing up to $309 per month if full coverage is included
  • High-risk drivers that have major violations or accidents could be forced to pay on average $1,040 more per year than a safer 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.



Rates by Driver Age

Honda Element Insurance 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

Honda Element Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,034
$250 $976
$500 $906
$1,000 $838

Full coverage, driver age 40

Rates by Liability Limit

Honda Element Insurance Rates with Different Liability Limits
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

Honda Element Insurance 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.

SR-22 Surcharge $119

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
Rate after discounts $559

Discounts are estimated and may not be available from every company or in every state.

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