Honda Ridgeline Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 prices for a Honda Ridgeline are $1,126 every 12 months for full coverage. Comprehensive insurance costs around $176, collision costs $236, and liability insurance is estimated at $534. Buying just liability costs approximately $588 a year, with insurance for high-risk drivers costing $2,424 or more. Teens cost the most to insure at $4,560 a year or more.
Average premium for full coverage: $1,126
Policy rates for type of insurance:
Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Ridgeline models.
Price Range Variability
Using a middle-aged driver as an example, Honda Ridgeline insurance rates go from the cheapest price of $588 for your basic liability-only policy to the much higher price of $2,424 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion.
The example below illustrates how where you live affects auto insurance rates.
The examples above show why everyone should get quotes for a specific zip code and their own driving history, rather than relying on averaged prices.
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.
More Rate Information
The chart below shows estimated Honda Ridgeline insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $685
- Choosing higher $1,000 deductibles can save about $94 a year
- The average price for a good driver age 40 using $500 deductibles is $1,126
- Selecting pricier low deductibles for comp and collision coverage costs an extra $178 a year
- High-risk insureds with serious driving violations could pay at least $2,424 or more
- Policy cost to insure a teen driver for full coverage can be $4,560 each year
Insurance rates for a Honda Ridgeline also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $280 each year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,300 to $1,900 extra every year, depending on your age. Honda Ridgeline insurance for high-risk drivers ranges anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Honda Ridgeline insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,610 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know your exact price is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, so the rates will be varied.
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 Shop for the Right Honda Ridgeline Insurance
Finding cheaper rates on Honda Ridgeline insurance takes having a decent driving record, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop at least once a year by getting quotes from direct carriers, and also from local exclusive and independent agents.
The following items are a quick rundown of the primary concepts that were touched on in the above illustrations.
- Drivers can save up to $130 per year simply by quoting online well ahead of the renewal date
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,300 more every year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles could save as much as $275 each year
- 16 to 18-year-old drivers pay higher rates, costing up to $380 each month if they have full coverage
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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