Honda Ridgeline Insurance Rates
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Michelle Robbins
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UPDATED: May 2, 2024
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Wondering how much should I pay for a Honda Ridgeline insurance plan? Average Honda Ridgeline insurance rates are $1,498 a year, or $124 a month. Read on to learn what drivers can do to save on insurance for Honda Ridgeline vehicles.
Use our free comparison tool above to start comparing Honda Ridgeline insurance costs.
Average insurance rates for a Honda Ridgeline are $1,168 a year with full coverage. Comprehensive costs around $190, collision costs $258, and liability costs $540. Liability-only coverage costs as little as $592 a year, with high-risk coverage costing around $2,510. Teenage drivers receive the highest rates at $4,690 a year or more.
Average premium for full coverage: $1,168
Rate estimates for individual coverage type:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Ridgeline trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $592 for basic liability insurance to a much higher rate of $2,510 for a driver who requires high-risk insurance.
Price Range by Location
Your location can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities.
The price range example below illustrates how where you live affects auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on average rates.
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.
Rate Comparisons
The chart below details estimated Honda Ridgeline insurance rates for additional coverage choices and driver risks.
- The best discount rate is $707
- Drivers who choose higher $1,000 deductibles will pay about $104 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,168
- Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,360
- Drivers who are prone to accidents and violations could pay at least $2,510 or more
- The cost that insures a 16-year-old driver with full coverage can be $4,690 a year
Car insurance rates for a Honda Ridgeline can also vary considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age
Where you live makes a big difference in Honda Ridgeline insurance prices. A 40-year-old driver could pay as low as $840 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,580 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,054 | -$114 | -9.8% |
| Alaska | $896 | -$272 | -23.3% |
| Arizona | $970 | -$198 | -17.0% |
| Arkansas | $1,168 | -$0 | 0.0% |
| California | $1,330 | $162 | 13.9% |
| Colorado | $1,114 | -$54 | -4.6% |
| Connecticut | $1,196 | $28 | 2.4% |
| Delaware | $1,320 | $152 | 13.0% |
| Florida | $1,460 | $292 | 25.0% |
| Georgia | $1,078 | -$90 | -7.7% |
| Hawaii | $836 | -$332 | -28.4% |
| Idaho | $790 | -$378 | -32.4% |
| Illinois | $868 | -$300 | -25.7% |
| Indiana | $880 | -$288 | -24.7% |
| Iowa | $786 | -$382 | -32.7% |
| Kansas | $1,106 | -$62 | -5.3% |
| Kentucky | $1,590 | $422 | 36.1% |
| Louisiana | $1,726 | $558 | 47.8% |
| Maine | $720 | -$448 | -38.4% |
| Maryland | $962 | -$206 | -17.6% |
| Massachusetts | $932 | -$236 | -20.2% |
| Michigan | $2,026 | $858 | 73.5% |
| Minnesota | $976 | -$192 | -16.4% |
| Mississippi | $1,398 | $230 | 19.7% |
| Missouri | $1,032 | -$136 | -11.6% |
| Montana | $1,252 | $84 | 7.2% |
| Nebraska | $920 | -$248 | -21.2% |
| Nevada | $1,398 | $230 | 19.7% |
| New Hampshire | $840 | -$328 | -28.1% |
| New Jersey | $1,304 | $136 | 11.6% |
| New Mexico | $1,032 | -$136 | -11.6% |
| New York | $1,228 | $60 | 5.1% |
| North Carolina | $672 | -$496 | -42.5% |
| North Dakota | $956 | -$212 | -18.2% |
| Ohio | $804 | -$364 | -31.2% |
| Oklahoma | $1,196 | $28 | 2.4% |
| Oregon | $1,068 | -$100 | -8.6% |
| Pennsylvania | $1,110 | -$58 | -5.0% |
| Rhode Island | $1,558 | $390 | 33.4% |
| South Carolina | $1,058 | -$110 | -9.4% |
| South Dakota | $986 | -$182 | -15.6% |
| Tennessee | $1,020 | -$148 | -12.7% |
| Texas | $1,404 | $236 | 20.2% |
| Utah | $862 | -$306 | -26.2% |
| Vermont | $798 | -$370 | -31.7% |
| Virginia | $698 | -$470 | -40.2% |
| Washington | $898 | -$270 | -23.1% |
| West Virginia | $1,068 | -$100 | -8.6% |
| Wisconsin | $808 | -$360 | -30.8% |
| Wyoming | $1,038 | -$130 | -11.1% |
Using high physical damage deductibles could save up to $300 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $486 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to compare rates from multiple companies. Every company uses a different method to calculate rates, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Ridgeline RT 4WD | $1,122 | $94 |
| Honda Ridgeline RTS 4WD | $1,146 | $96 |
| Honda Ridgeline RTL 4WD | $1,168 | $97 |
| Honda Ridgeline RTL W/Navigation 4WD | $1,190 | $99 |
Rates assume 2012 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 |
|---|---|---|---|---|
| 2024 Honda Ridgeline | $320 | $542 | $440 | $1,482 |
| 2023 Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| 2022 Honda Ridgeline | $296 | $524 | $470 | $1,470 |
| 2021 Honda Ridgeline | $286 | $502 | $486 | $1,454 |
| 2020 Honda Ridgeline | $270 | $484 | $500 | $1,434 |
| 2019 Honda Ridgeline | $260 | $450 | $510 | $1,400 |
| 2018 Honda Ridgeline | $250 | $424 | $514 | $1,368 |
| 2017 Honda Ridgeline | $240 | $380 | $520 | $1,320 |
| 2016 Honda Ridgeline | $224 | $350 | $520 | $1,274 |
| 2014 Honda Ridgeline | $210 | $306 | $534 | $1,230 |
| 2012 Honda Ridgeline | $190 | $258 | $540 | $1,168 |
| 2011 Honda Ridgeline | $176 | $236 | $534 | $1,126 |
| 2010 Honda Ridgeline | $166 | $214 | $534 | $1,094 |
| 2008 Honda Ridgeline | $158 | $188 | $520 | $1,046 |
| 2007 Honda Ridgeline | $156 | $178 | $510 | $1,024 |
| 2006 Honda Ridgeline | $142 | $170 | $504 | $996 |
Rates are averaged for all Honda Ridgeline 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 Affordable Honda Ridgeline Insurance
Saving money on insurance for a Honda Ridgeline not only requires avoiding accidents and claims, but also having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a brief review of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,340 more every year to insure a Honda Ridgeline
- Drivers under the age of 20 are the costliest to insure, with premiums as much as $391 per month if full coverage is purchased
- You may be able to save up to $130 per year simply by shopping early and online
- Increasing deductibles can save approximately $300 each year
- You may be able to save up to $130 per year simply by shopping early and online
Honda Ridgeline pricing on car insurance can vary based on your age and driving record. The best way to save and find affordable Honda Ridgeline car insurance is to use rate comparison tools and find the best Honda Ridgeline insurance quotes for you.
Doing so will allow you to compare different model years, such as the 2017 Honda Ridgeline vs the 2019 model cost to own, or to compare different trim levels, such as 2009 versus 2011 Honda Ridgeline trim levels.
While rate comparison won’t help you find out the Honda Ridgeline depreciation or the Honda Ridgeline 5-year cost to own, it will help you find savings immediately. So if you are ready to start saving on Honda Ridgeline insurance maintenance costs, enter your ZIP code in our free tool below.
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What are the safety ratings of the Honda Ridgeline?
Is the Honda Ridgeline worth buying? If a car doesn’t have good safety ratings and features, it isn’t worth your time. So if you looking for a 2020 Honda Ridgeline for sale, check the safety rating first. Poor safety ratings and features not only mean you are less safe, but it also means higher insurance rates.
Luckily, the Honda Ridgeline has some great safety features, such as brake assist, traction control, lane departure warning, and lane-keeping assist. The Honda Ridgeline safety ratings are also great, as the Insurance Institute for Highway Safety (IIHS) gave the Honda Ridgeline a 2019 Top Safety Pick award.
Take a look at the Honda Ridgeline’s crash test ratings below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Acceptable
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The video below shows one of the IIHS’s crash tests on the Honda Ridgeline.
Honda Ridgeline Compared Against Other Vehicles in the Same Class
The Honda Ridgeline is a large pickup, which means it may have slightly higher liability insurance rates. Why? Larger vehicles are more likely to do significant damage to other vehicles in a crash.
Want to better understand how the Honda Ridgeline’s rates compare to other large pickups’ rates? View the large pickups below.
Ready to start saving on Honda Ridgeline insurance rates? Use our free rate comparison tool to find the best Honda Ridgeline rates in your area.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,690 |
| 20 | $2,668 |
| 30 | $1,186 |
| 40 | $1,168 |
| 50 | $1,070 |
| 60 | $1,048 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,360 |
| $250 | $1,274 |
| $500 | $1,168 |
| $1,000 | $1,064 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,168 |
| 50/100 | $1,298 |
| 100/300 | $1,433 |
| 250/500 | $1,784 |
| 100 CSL | $1,352 |
| 300 CSL | $1,649 |
| 500 CSL | $1,865 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,614 |
| 20 | $4,254 |
| 30 | $2,532 |
| 40 | $2,510 |
| 50 | $2,400 |
| 60 | $2,378 |
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 | $59 |
| Multi-vehicle | $63 |
| Homeowner | $21 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $43 |
| Advance Quote | $51 |
| Online Quote | $79 |
| Total Discounts | $461 |
Discounts are estimated and may not be available from every company or in every state.
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