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Honda Ridgeline Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 30, 2020

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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.

The average insurance rates for a Honda Ridgeline are $1,482 a year with full coverage. Comprehensive costs around $320, collision insurance costs $542, and liability is $440. A liability-only policy costs around $510 a year, and high-risk insurance costs around $3,188. Teenage drivers cost the most to insure at up to $5,524 a year.

Average premium for full coverage: $1,482

Policy rates for type of insurance:

Comprehensive $320
Collision $542
Liability $440

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Ridgeline trim levels.

Price Range Variability

For the normal driver, Honda Ridgeline insurance rates range from the low end price of $510 for basic liability insurance to a much higher rate of $3,188 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,482
High Risk $3,188

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,112
Small Cities $1,556
Large Cities $2,001

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of using 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 average Honda Ridgeline insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $863
  • Raising to $1,000 deductibles will save about $198 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,482
  • Using more expensive low deductibles bumps up the cost to $1,858
  • At-risk drivers who are prone to accidents and violations could pay at least $3,188
  • Policy cost that insures a teen driver with full coverage can be $5,524

View Chart as Image

Honda Ridgeline insurance cost comparison chart
Column chart showing Honda Ridgeline insurance rates range from $863 to $5,524 for full coverage

Car insurance rates for a Honda Ridgeline also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 128% 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 little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $5,500 a year. View Rates by Age

Your home state also has a big influence on Honda Ridgeline insurance prices. A middle-age driver might find rates as low as $1,070 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,000 on average in Florida, Michigan, and New York.

Honda Ridgeline Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,336 -$146 -9.9%
Alaska $1,136 -$346 -23.3%
Arizona $1,230 -$252 -17.0%
Arkansas $1,482 -$0 0.0%
California $1,686 $204 13.8%
Colorado $1,412 -$70 -4.7%
Connecticut $1,520 $38 2.6%
Delaware $1,676 $194 13.1%
Florida $1,852 $370 25.0%
Georgia $1,368 -$114 -7.7%
Hawaii $1,062 -$420 -28.3%
Idaho $1,002 -$480 -32.4%
Illinois $1,102 -$380 -25.6%
Indiana $1,118 -$364 -24.6%
Iowa $1,000 -$482 -32.5%
Kansas $1,406 -$76 -5.1%
Kentucky $2,018 $536 36.2%
Louisiana $2,194 $712 48.0%
Maine $916 -$566 -38.2%
Maryland $1,222 -$260 -17.5%
Massachusetts $1,182 -$300 -20.2%
Michigan $2,572 $1,090 73.5%
Minnesota $1,238 -$244 -16.5%
Mississippi $1,774 $292 19.7%
Missouri $1,314 -$168 -11.3%
Montana $1,592 $110 7.4%
Nebraska $1,168 -$314 -21.2%
Nevada $1,776 $294 19.8%
New Hampshire $1,068 -$414 -27.9%
New Jersey $1,656 $174 11.7%
New Mexico $1,312 -$170 -11.5%
New York $1,560 $78 5.3%
North Carolina $854 -$628 -42.4%
North Dakota $1,212 -$270 -18.2%
Ohio $1,022 -$460 -31.0%
Oklahoma $1,520 $38 2.6%
Oregon $1,356 -$126 -8.5%
Pennsylvania $1,410 -$72 -4.9%
Rhode Island $1,976 $494 33.3%
South Carolina $1,342 -$140 -9.4%
South Dakota $1,250 -$232 -15.7%
Tennessee $1,296 -$186 -12.6%
Texas $1,784 $302 20.4%
Utah $1,094 -$388 -26.2%
Vermont $1,014 -$468 -31.6%
Virginia $886 -$596 -40.2%
Washington $1,142 -$340 -22.9%
West Virginia $1,358 -$124 -8.4%
Wisconsin $1,024 -$458 -30.9%
Wyoming $1,318 -$164 -11.1%

View Chart as Image

Honda Ridgeline insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $580 every year, 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 raise rates by up to $396 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Honda Ridgeline Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Ridgeline RT 4WD $1,396 $116
Honda Ridgeline RTS 4WD $1,438 $120
Honda Ridgeline RTL 4WD $1,482 $124
Honda Ridgeline RTL W/Navigation 4WD $1,522 $127

Rates assume 2020 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.

Honda Ridgeline Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Honda Ridgeline $320 $542 $440 $1,482
2019 Honda Ridgeline $306 $536 $450 $1,472
2018 Honda Ridgeline $296 $524 $470 $1,470
2017 Honda Ridgeline $286 $502 $486 $1,454
2016 Honda Ridgeline $270 $484 $500 $1,434
2014 Honda Ridgeline $250 $424 $514 $1,368
2013 Honda Ridgeline $240 $380 $520 $1,320
2012 Honda Ridgeline $224 $350 $520 $1,274
2011 Honda Ridgeline $216 $328 $524 $1,248
2010 Honda Ridgeline $210 $306 $534 $1,230
2009 Honda Ridgeline $194 $284 $534 $1,192
2008 Honda Ridgeline $190 $258 $540 $1,168
2007 Honda Ridgeline $176 $236 $534 $1,126
2006 Honda Ridgeline $166 $214 $534 $1,094

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 Cheap Honda Ridgeline Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare prices at every other renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The items below are a brief summary of the concepts that were presented in the illustrations above.

  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,710 more every year to insure their Ridgeline
  • Teen drivers are the costliest to insure, as much as $460 each month if full coverage is purchased
  • You may be able to save up to $180 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $575 each year
  • You may be able to save up to $180 per year just 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.

Rates by Driver Age

Honda Ridgeline Insurance Rates by Driver Age
Driver Age Premium
16 $5,524
20 $3,400
30 $1,542
40 $1,482
50 $1,352
60 $1,326

Full coverage, $500 deductibles

Rates by Deductible

Honda Ridgeline Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,858
$250 $1,684
$500 $1,482
$1,000 $1,284

Full coverage, driver age 40

Rates by Liability Limit

Honda Ridgeline Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,482
50/100 $1,610
100/300 $1,720
250/500 $2,006
100 CSL $1,654
300 CSL $1,896
500 CSL $2,072

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Ridgeline Insurance Rates for High Risk Drivers
Age Premium
16 $7,872
20 $5,402
30 $3,256
40 $3,188
50 $3,040
60 $3,012

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 $203

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $76
Homeowner $22
5-yr Accident Free $106
5-yr Claim Free $95
Paid in Full/EFT $66
Advance Quote $72
Online Quote $104
Total Discounts $619
Rate after discounts $863

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

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