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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$1,310$109
Honda Accord Crosstour$1,550$129
Honda Civic$1,536$128
Honda Clarity$1,478$123
Honda CR-V$1,140$95
Honda Element$1,324$110
Honda Fit$1,168$97
Honda HR-V$1,356$113
Honda Insight$1,372$114
Honda Odyssey$1,342$112
Honda Pilot$1,336$111
Honda Ridgeline$1,498$125
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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 $782 to $5,032 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 $1,300 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 $5,000 a year.

If you like to drive fast or you caused a few accidents, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 132% 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 $560 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 $335 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 $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana.

Honda Vehicle Average Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,226-$130-9.6%
Alaska$1,042-$314-23.2%
Arizona$1,126-$230-17.0%
Arkansas$1,356-$00.0%
California$1,546$19014.0%
Colorado$1,296-$60-4.4%
Connecticut$1,394$382.8%
Delaware$1,536$18013.3%
Florida$1,698$34225.2%
Georgia$1,254-$102-7.5%
Hawaii$976-$380-28.0%
Idaho$918-$438-32.3%
Illinois$1,012-$344-25.4%
Indiana$1,020-$336-24.8%
Iowa$916-$440-32.4%
Kansas$1,290-$66-4.9%
Kentucky$1,852$49636.6%
Louisiana$2,010$65448.2%
Maine$838-$518-38.2%
Maryland$1,118-$238-17.6%
Massachusetts$1,086-$270-19.9%
Michigan$2,356$1,00073.7%
Minnesota$1,136-$220-16.2%
Mississippi$1,624$26819.8%
Missouri$1,204-$152-11.2%
Montana$1,458$1027.5%
Nebraska$1,070-$286-21.1%
Nevada$1,626$27019.9%
New Hampshire$978-$378-27.9%
New Jersey$1,516$16011.8%
New Mexico$1,200-$156-11.5%
New York$1,430$745.5%
North Carolina$782-$574-42.3%
North Dakota$1,110-$246-18.1%
Ohio$936-$420-31.0%
Oklahoma$1,394$382.8%
Oregon$1,244-$112-8.3%
Pennsylvania$1,294-$62-4.6%
Rhode Island$1,810$45433.5%
South Carolina$1,230-$126-9.3%
South Dakota$1,144-$212-15.6%
Tennessee$1,190-$166-12.2%
Texas$1,634$27820.5%
Utah$1,006-$350-25.8%
Vermont$930-$426-31.4%
Virginia$812-$544-40.1%
Washington$1,050-$306-22.6%
West Virginia$1,244-$112-8.3%
Wisconsin$940-$416-30.7%
Wyoming$1,210-$146-10.8%

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 $1,356
Comprehensive Premium $294
Collision Premium $532
Liability Premium $372

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$5,032
20$3,132
30$1,418
40$1,356
50$1,240
60$1,216

Full coverage, $500 deductibles

Rates by Deductible

Honda Vehicle Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,720
$250$1,552
$500$1,356
$1,000$1,168

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Vehicle Insurance Rates for High Risk Drivers
AgePremium
16$7,176
20$4,972
30$2,994
40$2,930
50$2,794
60$2,768

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 $188

Potential Rate Discounts

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

DiscountSavings
Multi-policy$72
Multi-vehicle$70
Homeowner$19
5-yr Accident Free$100
5-yr Claim Free$87
Paid in Full/EFT$63
Advance Quote$67
Online Quote$96
Total Discounts$574
Rate after discounts $782

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

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