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.
U.S. average auto insurance rates for a Honda Ridgeline are $1,168 annually with full coverage. Comprehensive insurance costs around $190, collision insurance costs $258, and liability insurance costs $540. Liability-only insurance costs as little as $592 a year, and high-risk driver insurance costs $2,510 or more. 16-year-old drivers pay the highest rates at up to $4,690 a year.
Average premium for full coverage: $1,168
Price estimates for individual coverage:
Prices include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all Ridgeline models.
Price Range from Low to High
Using a middle-aged driver as an example, Honda Ridgeline insurance prices range from as cheap as $592 for the bare minimum liability coverage to the much higher price of $2,510 for a policy for a high-risk driver.
Geographic Price Range
Your location has a significant impact on insurance rates. Areas with sparse population have fewer collision claims than congested cities. The example below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why everyone should compare rates for a specific zip code 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 Rate Information
The chart below details average Honda Ridgeline insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $707
- Drivers who choose higher $1,000 deductibles will pay about $104 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $1,168
- Buying pricier low deductibles for comprehensive and collision insurance costs an additional $192 a year
- High risk drivers with multiple tickets or accidents could pay at least $2,510
- The price with full coverage for a teen driver for full coverage can be $4,690 a year
Car insurance prices for a Honda Ridgeline are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $1,400 to $2,000 extra each year, depending on your age. Honda Ridgeline insurance for high-risk drivers can cost anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $300 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $486 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Honda Ridgeline insurance rates. A 40-year-old driver could pay as low as $840 a year in states like New Hampshire, Ohio, and Utah, or at least $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% |
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 Buy the Right Honda Ridgeline Insurance
Getting lower rates on Honda Ridgeline insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a quick rundown of the coverage data touched on in the above illustrations.
- You may be able to save up to $130 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $300 each year
- Drivers age 16 to 20 are the costliest to insure, costing up to $391 a month if comprehensive and collision insurance is included
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,340 more every year than a safer driver
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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