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.

The average insurance rates for a Honda Element are $882 a year with full coverage. Comprehensive insurance costs an estimated $126 a year, collision insurance costs $152, and liability is estimated at $446. Buying just liability costs approximately $500 a year, and insurance for high-risk drivers costs $1,892 or more. 16-year-old drivers cost the most to insure at up to $3,644 a year.

Average premium for full coverage: $882

Policy rates broken down by type of insurance:

Comprehensive $126
Collision $152
Liability $446

Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Element trim levels.

Price Range Variability

For the normal driver, Honda Element insurance rates range from the low end price of $500 for just liability coverage to a high of $1,892 for a driver who has had serious violations or accidents.

Liability Only $500
Full Coverage $882
High Risk $1,892

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities. The diagram below illustrates how geographic area affects insurance prices.

Rural Areas $662
Small Cities $926
Large Cities $1,191

The examples above demonstrate why it is important to get quotes for a targeted area, 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.

Detailed Rate Analysis

The chart below details average Honda Element insurance rates for other coverage scenarios.

  • The best full coverage rate is $547
  • Choosing higher $1,000 deductibles can save approximately $818 annually
  • The estimated price for a good driver age 40 who has $500 deductibles is $882
  • Buying low $100 deductibles for comp and collision coverage will cost an additional $118 every year
  • Unlucky drivers with multiple tickets or accidents could pay up to $1,892
  • Policy cost that insures a teen driver can cost as much as $3,644 each year

View Chart as Image

Honda Element insurance cost comparison chart
Column chart showing Honda Element insurance prices range from $547 to $3,644 for full coverage

Insurance rates for a Honda Element also range considerably based on the trim level of your Element, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,000 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 126% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $3,600 a year. View Rates by Age

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 $640 a year in states like Utah, Ohio, and New Hampshire, or at least $1,190 on average in New York, Michigan, and Florida.

Honda Element Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $798 -$84 -9.5%
Alaska $676 -$206 -23.4%
Arizona $732 -$150 -17.0%
Arkansas $882 -$0 0.0%
California $1,004 $122 13.8%
Colorado $842 -$40 -4.5%
Connecticut $908 $26 2.9%
Delaware $1,000 $118 13.4%
Florida $1,104 $222 25.2%
Georgia $814 -$68 -7.7%
Hawaii $632 -$250 -28.3%
Idaho $594 -$288 -32.7%
Illinois $656 -$226 -25.6%
Indiana $662 -$220 -24.9%
Iowa $594 -$288 -32.7%
Kansas $840 -$42 -4.8%
Kentucky $1,204 $322 36.5%
Louisiana $1,306 $424 48.1%
Maine $546 -$336 -38.1%
Maryland $726 -$156 -17.7%
Massachusetts $706 -$176 -20.0%
Michigan $1,532 $650 73.7%
Minnesota $738 -$144 -16.3%
Mississippi $1,058 $176 20.0%
Missouri $782 -$100 -11.3%
Montana $946 $64 7.3%
Nebraska $696 -$186 -21.1%
Nevada $1,058 $176 20.0%
New Hampshire $636 -$246 -27.9%
New Jersey $988 $106 12.0%
New Mexico $782 -$100 -11.3%
New York $930 $48 5.4%
North Carolina $510 -$372 -42.2%
North Dakota $722 -$160 -18.1%
Ohio $608 -$274 -31.1%
Oklahoma $906 $24 2.7%
Oregon $806 -$76 -8.6%
Pennsylvania $842 -$40 -4.5%
Rhode Island $1,178 $296 33.6%
South Carolina $800 -$82 -9.3%
South Dakota $744 -$138 -15.6%
Tennessee $772 -$110 -12.5%
Texas $1,064 $182 20.6%
Utah $652 -$230 -26.1%
Vermont $606 -$276 -31.3%
Virginia $528 -$354 -40.1%
Washington $680 -$202 -22.9%
West Virginia $808 -$74 -8.4%
Wisconsin $610 -$272 -30.8%
Wyoming $786 -$96 -10.9%

View Chart as Image

Honda Element insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $190 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $402 more per year. View Rates by Deductible or Liability Limit

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 $866 $72
Honda Element LX 4WD $866 $72
Honda Element EX 2WD $882 $74
Honda Element EX 4WD $882 $74
Honda Element SC 2WD $882 $74

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 $142 $170 $468 $938
2006 Honda Element $136 $160 $452 $906
2005 Honda Element $126 $152 $446 $882
2004 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 the Best Cheap Honda Element Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Comparison shop every other policy renewal by quoting rates from direct companies, and also from insurance agencies where you live.

The following is a quick review of the ideas that were presented in the illustrations above.

  • Teens are charged the highest rates, as much as $304 each month if full coverage is included
  • Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,010 more annually for Element insurance
  • Increasing comprehensive and collision deductibles can save approximately $175 each year
  • You may be able to save approximately $100 per year just by quoting early and online

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 $3,644
20 $2,018
30 $890
40 $882
50 $812
60 $794

Full coverage, $500 deductibles

Rates by Deductible

Honda Element Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,000
$250 $946
$500 $882
$1,000 $818

Full coverage, driver age 40

Rates by Liability Limit

Honda Element Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $882
50/100 $971
100/300 $1,083
250/500 $1,373
100 CSL $1,016
300 CSL $1,261
500 CSL $1,440

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Element Insurance Rates for High Risk Drivers
Age Premium
16 $5,108
20 $3,214
30 $1,900
40 $1,892
50 $1,812
60 $1,794

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 $116

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $43
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $50
5-yr Claim Free $54
Paid in Full/EFT $29
Advance Quote $37
Online Quote $58
Total Discounts $335
Rate after discounts $547

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

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