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 rates for a Honda Element are $998 a year including full coverage. Comprehensive insurance costs on average $156, collision costs $210, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,148 or more. Teens receive the highest rates at $4,040 a year or more.

Average premium for full coverage: $998

Rate estimates by individual coverage type:

Comprehensive $156
Collision $210
Liability $474

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Element models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $522 for a discount liability-only rate to the much higher price of $2,148 for a high-risk driver policy.

Liability Only $522
Full Coverage $998
High Risk $2,148

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how your location can change car insurance rates.

Rural Areas $749
Small Cities $1,048
Large Cities $1,347

These examples highlight why everyone should compare rates quotes based on a specific location and risk profile, rather than relying 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.

Rates by State, City, and Model

The chart below breaks down estimated Honda Element insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $606
  • Raising to $1,000 deductibles will save around $84 every year
  • The average rate for a 40-year-old driver with $500 deductibles is $998
  • Selecting pricier low deductibles will cost an extra $156 a year
  • Higher-risk drivers with serious driving violations could pay upwards of $2,148 or more
  • The cost for full coverage for a teen driver for full coverage may cost $4,040

View Chart as Image

Honda Element insurance cost comparison chart
Column chart showing full coverage Honda Element insurance prices range from $606 to $4,040

Insurance rates for a Honda Element can also vary considerably based on your driver profile, the model of your Element, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,000 a year. View Rates by Age

Where you live also has a big influence on Honda Element insurance rates. A middle-age driver might find rates as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,420 on average in Michigan, New York, and Louisiana.

Honda Element Insurance Rates by State
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%

View Chart as Image

Honda Element insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $240 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,200 to $1,700 additional per year, depending on your age. Honda Element insurance for high-risk drivers is expensive and can cost anywhere from 42% to 134% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and rates can be significantly different from one company to the next.

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 $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.

Honda Element Insurance Rates by Model Year
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 Find More Affordable Honda Element Insurance

Saving money on Honda Element insurance consists of being a good driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around every time your policy renews by getting quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following list is a summary of the information illustrated above.

  • You may be able to save as much as $110 per year simply by quoting online well ahead of the renewal date
  • Drivers age 16 to 20 pay higher rates, as much as $337 per month including comprehensive and collision insurance
  • Increasing deductibles can save around $250 each year
  • High-risk drivers who have multiple accidents or major violations may pay on average $1,150 more each year than a safer driver
  • Drivers who require an increased level of liability coverage will pay approximately $520 per year to raise from a minimum limit to 250/500 limits

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

  1. https://www.iihs.org/ratings/vehicle/honda/element-4-door-suv/2011

Rates by Driver Age

Honda Element Insurance 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

Honda Element Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,154
$250 $1,082
$500 $998
$1,000 $914

Full coverage, driver age 40

Rates by Liability Limit

Honda Element Insurance Rates with Different Liability Limits
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

Honda Element Insurance 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.

SR-22 Surcharge $134

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
Rate after discounts $606

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

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