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Insurance for Honda Vehicles

The table below shows estimated insurance rates for popular Honda vehicles. Additional models are displayed at the bottom of the page

Insurance Rates for Honda Vehicles
Vehicle ModelAnnual PremiumMonthly Premium
Honda Accord$1,248$104
Honda Accord Crosstour$1,470$123
Honda Civic$1,460$122
Honda Clarity$1,406$117
Honda CR-V$1,080$90
Honda Element$1,262$105
Honda Fit$1,108$92
Honda HR-V$1,290$108
Honda Insight$1,306$109
Honda Odyssey$1,276$106
Honda Pilot$1,270$106
Honda Ridgeline$1,422$119
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Rates assume current 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.

View Chart as Image

Average insurance cost for Honda vehicles
Column chart showing average insurance prices for Honda vehicles range from $746 to $4,778 for full coverage

The chart above uses the data from all Honda models in the table above as an example of how different scenarios can have a huge impact on car insurance rates.

Car insurance rates for a Honda can vary considerably based on the trim level of your Ridgeline, your driver profile, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $4,700 a year.

If you like to drive fast or you caused a few accidents, you could be paying at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than a normal policy.

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Honda insurance by risk and age

Using high physical damage deductibles could cut rates by as much as $530 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 extra every 12 months

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Honda insurance by deductible and liability limit

Where you live has a huge impact on Honda insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,880 on average in Michigan, Louisiana, and Montana.

Honda Vehicle Average Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,238-$52-4.0%
Alaska$1,058-$232-18.0%
Arizona$1,292$20.2%
Arkansas$1,306$161.2%
California$1,448$15812.2%
Colorado$1,338$483.7%
Connecticut$1,688$39830.9%
Delaware$1,568$27821.6%
Florida$1,740$45034.9%
Georgia$1,278-$12-0.9%
Hawaii$1,392$1027.9%
Idaho$896-$394-30.5%
Illinois$958-$332-25.7%
Indiana$918-$372-28.8%
Iowa$970-$320-24.8%
Kansas$1,184-$106-8.2%
Kentucky$1,668$37829.3%
Louisiana$2,088$79861.9%
Maine$884-$406-31.5%
Maryland$1,326$362.8%
Massachusetts$1,136-$154-11.9%
Michigan$2,370$1,08083.7%
Minnesota$1,132-$158-12.2%
Mississippi$1,262-$28-2.2%
Missouri$1,100-$190-14.7%
Montana$1,170-$120-9.3%
Nebraska$1,062-$228-17.7%
Nevada$1,664$37429.0%
New Hampshire$1,052-$238-18.4%
New Jersey$1,284-$6-0.5%
New Mexico$1,196-$94-7.3%
New York$1,678$38830.1%
North Carolina$914-$376-29.1%
North Dakota$1,254-$36-2.8%
Ohio$908-$382-29.6%
Oklahoma$1,566$27621.4%
Oregon$1,206-$84-6.5%
Pennsylvania$1,450$16012.4%
Rhode Island$1,564$27421.2%
South Carolina$1,200-$90-7.0%
South Dakota$1,012-$278-21.6%
Tennessee$1,160-$130-10.1%
Texas$1,238-$52-4.0%
Utah$1,142-$148-11.5%
Vermont$918-$372-28.8%
Virginia$928-$362-28.1%
Washington$1,136-$154-11.9%
West Virginia$1,312$221.7%
Wisconsin$1,314$241.9%
Wyoming$1,424$13410.4%

With so much variability in rates, the only way to know your exact price is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

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U.S. averages for full coverage Honda vehicle insurance

Average Policy Cost $1,290
Comprehensive Premium $280
Collision Premium $504
Liability Premium $354

National average data is compiled from all 50 U.S. states for the Honda models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

Honda Vehicle Insurance Rates by Driver Age
Driver AgePremium
16$4,778
20$2,972
30$1,344
40$1,290
50$1,176
60$1,154

Full coverage, $500 deductibles

Rates by Deductible

Honda Vehicle Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,636
$250$1,476
$500$1,290
$1,000$1,112

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Vehicle Insurance Rates for High Risk Drivers
AgePremium
16$6,814
20$4,722
30$2,844
40$2,782
50$2,654
60$2,628

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 $178

Potential Rate Discounts

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

DiscountSavings
Multi-policy$68
Multi-vehicle$66
Homeowner$18
5-yr Accident Free$95
5-yr Claim Free$83
Paid in Full/EFT$59
Advance Quote$64
Online Quote$91
Total Discounts$544
Rate after discounts $746

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

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