Honda Ridgeline Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 auto insurance rates for a Honda Ridgeline are $1,126 annually with full coverage. Comprehensive costs an estimated $176, collision costs $236, and liability is estimated at $534. Buying just liability costs approximately $588 a year, with insurance for high-risk drivers costing around $2,424. Teens receive the highest rates at $4,560 a year or more.
Average premium for full coverage: $1,126
Rate estimates broken down by individual coverage type:
Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Ridgeline models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $588 for liability-only coverage to the much higher price of $2,424 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. More rural locations tend to have fewer collision claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on insurance prices.
These examples demonstrate why everyone should get quotes for a targeted area and their own personal driving habits, instead of making a decision based 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.
Additional Charts and Tables
The chart below details estimated Honda Ridgeline insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $685
- Choosing higher $1,000 deductibles can save approximately $94 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,126
- Selecting pricier low deductibles for comp and collision coverage will cost $1,304
- Higher-risk drivers with serious driving violations could pay up to $2,424 or more
- The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,560 each year
Auto insurance rates for a Honda Ridgeline can also vary considerably based on the trim level of your Ridgeline, your driving record, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $4,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,300 to $1,900 in extra premium per year, depending on your age. Honda Ridgeline insurance for high-risk drivers ranges from 42% to 128% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $280 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Honda Ridgeline insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,520 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,018 | -$108 | -9.6% |
| Alaska | $864 | -$262 | -23.3% |
| Arizona | $936 | -$190 | -16.9% |
| Arkansas | $1,126 | -$0 | 0.0% |
| California | $1,284 | $158 | 14.0% |
| Colorado | $1,072 | -$54 | -4.8% |
| Connecticut | $1,158 | $32 | 2.8% |
| Delaware | $1,274 | $148 | 13.1% |
| Florida | $1,408 | $282 | 25.0% |
| Georgia | $1,042 | -$84 | -7.5% |
| Hawaii | $808 | -$318 | -28.2% |
| Idaho | $764 | -$362 | -32.1% |
| Illinois | $838 | -$288 | -25.6% |
| Indiana | $852 | -$274 | -24.3% |
| Iowa | $762 | -$364 | -32.3% |
| Kansas | $1,070 | -$56 | -5.0% |
| Kentucky | $1,538 | $412 | 36.6% |
| Louisiana | $1,668 | $542 | 48.1% |
| Maine | $698 | -$428 | -38.0% |
| Maryland | $930 | -$196 | -17.4% |
| Massachusetts | $900 | -$226 | -20.1% |
| Michigan | $1,954 | $828 | 73.5% |
| Minnesota | $944 | -$182 | -16.2% |
| Mississippi | $1,350 | $224 | 19.9% |
| Missouri | $998 | -$128 | -11.4% |
| Montana | $1,210 | $84 | 7.5% |
| Nebraska | $890 | -$236 | -21.0% |
| Nevada | $1,352 | $226 | 20.1% |
| New Hampshire | $814 | -$312 | -27.7% |
| New Jersey | $1,262 | $136 | 12.1% |
| New Mexico | $996 | -$130 | -11.5% |
| New York | $1,186 | $60 | 5.3% |
| North Carolina | $650 | -$476 | -42.3% |
| North Dakota | $922 | -$204 | -18.1% |
| Ohio | $776 | -$350 | -31.1% |
| Oklahoma | $1,156 | $30 | 2.7% |
| Oregon | $1,032 | -$94 | -8.3% |
| Pennsylvania | $1,072 | -$54 | -4.8% |
| Rhode Island | $1,502 | $376 | 33.4% |
| South Carolina | $1,022 | -$104 | -9.2% |
| South Dakota | $952 | -$174 | -15.5% |
| Tennessee | $984 | -$142 | -12.6% |
| Texas | $1,356 | $230 | 20.4% |
| Utah | $832 | -$294 | -26.1% |
| Vermont | $772 | -$354 | -31.4% |
| Virginia | $674 | -$452 | -40.1% |
| Washington | $868 | -$258 | -22.9% |
| West Virginia | $1,032 | -$94 | -8.3% |
| Wisconsin | $780 | -$346 | -30.7% |
| Wyoming | $1,004 | -$122 | -10.8% |
With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, and quoted rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Ridgeline RT 4WD | $1,086 | $91 |
| Honda Ridgeline RTS 4WD | $1,106 | $92 |
| Honda Ridgeline RTL 4WD | $1,126 | $94 |
| Honda Ridgeline RTL W/Navigation 4WD | $1,146 | $96 |
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 | $306 | $536 | $450 | $1,472 |
| 2023 Honda Ridgeline | $296 | $524 | $470 | $1,470 |
| 2022 Honda Ridgeline | $286 | $502 | $486 | $1,454 |
| 2021 Honda Ridgeline | $270 | $484 | $500 | $1,434 |
| 2020 Honda Ridgeline | $260 | $450 | $510 | $1,400 |
| 2019 Honda Ridgeline | $250 | $424 | $514 | $1,368 |
| 2018 Honda Ridgeline | $240 | $380 | $520 | $1,320 |
| 2017 Honda Ridgeline | $224 | $350 | $520 | $1,274 |
| 2016 Honda Ridgeline | $216 | $328 | $524 | $1,248 |
| 2014 Honda Ridgeline | $194 | $284 | $534 | $1,192 |
| 2012 Honda Ridgeline | $176 | $236 | $534 | $1,126 |
| 2011 Honda Ridgeline | $166 | $214 | $534 | $1,094 |
| 2010 Honda Ridgeline | $162 | $192 | $530 | $1,064 |
| 2008 Honda Ridgeline | $156 | $178 | $510 | $1,024 |
| 2007 Honda Ridgeline | $142 | $170 | $504 | $996 |
| 2006 Honda Ridgeline | $138 | $162 | $500 | $980 |
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 Buy the Best Cheap Honda Ridgeline Insurance
Saving money on insurance for a Honda Ridgeline takes having a good driving record, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates every other policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a quick review of the ideas that were covered above.
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $380 per month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,300 more annually to buy Honda Ridgeline insurance
- Increasing deductibles could save up to $275 each year
- You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
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 | $4,560 |
| 20 | $2,578 |
| 30 | $1,144 |
| 40 | $1,126 |
| 50 | $1,036 |
| 60 | $1,014 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,304 |
| $250 | $1,224 |
| $500 | $1,126 |
| $1,000 | $1,032 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,126 |
| 50/100 | $1,253 |
| 100/300 | $1,386 |
| 250/500 | $1,733 |
| 100 CSL | $1,306 |
| 300 CSL | $1,600 |
| 500 CSL | $1,814 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,424 |
| 20 | $4,110 |
| 30 | $2,442 |
| 40 | $2,424 |
| 50 | $2,320 |
| 60 | $2,294 |
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 | $57 |
| Multi-vehicle | $61 |
| Homeowner | $20 |
| 5-yr Accident Free | $68 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $40 |
| Advance Quote | $49 |
| Online Quote | $76 |
| Total Discounts | $441 |
Discounts are estimated and may not be available from every company or in every state.
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