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.
The average insurance rates for a Honda Ridgeline are $1,126 a year with full coverage. Comprehensive insurance costs approximately $176 each year, collision costs $236, and liability costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance costing $2,424 or more. Teen drivers cost the most to insure at $4,560 a year or more.
Average premium for full coverage: $1,126
Policy rates by type of insurance:
Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Ridgeline models.
Price Range Variability
Using a 40-year-old driver as an example, Honda Ridgeline insurance rates go from as low as $588 for the bare minimum liability coverage to a high rate of $2,424 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance prices.
The examples above demonstrate why all drivers should compare prices using their specific location and risk profile, instead of using price 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 estimated Honda Ridgeline insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $685
- Using higher $1,000 deductibles will save $94 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,126
- Choosing low deductibles for physical damage coverage will cost an extra $178 every year
- Drivers with multiple violations and an at-fault accident could pay around $2,424 or more
- Policy cost for full coverage for a teen driver can cost $4,560 or more
Auto insurance rates for a Honda Ridgeline also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $4,500 a year. View Rates by Age
Your home state has a huge impact on Honda Ridgeline insurance prices. A driver around age 40 might see rates as low as $810 a year in states like Utah, Ohio, and New Hampshire, or as much as $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% |
Choosing high deductibles could cut rates by as much as $280 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,300 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 128% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.
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 Find the Best Cheap Honda Ridgeline Insurance
Finding cheaper rates on car insurance requires having a good driving record, having good credit, not filing small claims, and not having any coverage lapses. Set aside time to shop around every other policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a quick review of the ideas that were raised in the charts and tables above.
- Drivers age 20 and younger have the highest car insurance rates, as much as $380 each month if they have full coverage
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,300 more per year to buy Honda Ridgeline insurance
- Increasing comprehensive and collision deductibles can save around $275 each year
- You may be able to save around $130 per year simply by quoting online in advance
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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