Honda Ridgeline Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.
U.S. average insurance rates for a Honda Ridgeline are $1,168 a year including full coverage. Comprehensive costs approximately $190, collision insurance costs $258, and liability coverage costs $540. Buying just liability costs as little as $592 a year, and insurance for high-risk drivers costs around $2,510. 16-year-old drivers pay the highest rates at up to $4,690 a year.
Average premium for full coverage: $1,168
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Ridgeline trim levels.
Price Range from Low to High
For a driver in their 40's, Honda Ridgeline insurance prices range from as low as $592 for liability-only coverage to a much higher rate of $2,510 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a large influence on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates how location helps determine auto insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than using rate 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 Charts and Tables
The chart below breaks down average Honda Ridgeline insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $707
- Drivers who choose higher $1,000 deductibles will pay $104 every year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,168
- Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,360
- High-risk insureds with multiple tickets or accidents could pay around $2,510
- The price for full coverage for a teenage driver with full coverage can cost $4,690 a year
Insurance prices for a Honda Ridgeline are also quite variable based on your driving record, the model of your Ridgeline, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age
The state you live in makes a big difference in Honda Ridgeline insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,660 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,054 | -$114 | -9.8% |
| Alaska | $896 | -$272 | -23.3% |
| Arizona | $970 | -$198 | -17.0% |
| Arkansas | $1,168 | -$0 | 0.0% |
| California | $1,330 | $162 | 13.9% |
| Colorado | $1,114 | -$54 | -4.6% |
| Connecticut | $1,196 | $28 | 2.4% |
| Delaware | $1,320 | $152 | 13.0% |
| Florida | $1,460 | $292 | 25.0% |
| Georgia | $1,078 | -$90 | -7.7% |
| Hawaii | $836 | -$332 | -28.4% |
| Idaho | $790 | -$378 | -32.4% |
| Illinois | $868 | -$300 | -25.7% |
| Indiana | $880 | -$288 | -24.7% |
| Iowa | $786 | -$382 | -32.7% |
| Kansas | $1,106 | -$62 | -5.3% |
| Kentucky | $1,590 | $422 | 36.1% |
| Louisiana | $1,726 | $558 | 47.8% |
| Maine | $720 | -$448 | -38.4% |
| Maryland | $962 | -$206 | -17.6% |
| Massachusetts | $932 | -$236 | -20.2% |
| Michigan | $2,026 | $858 | 73.5% |
| Minnesota | $976 | -$192 | -16.4% |
| Mississippi | $1,398 | $230 | 19.7% |
| Missouri | $1,032 | -$136 | -11.6% |
| Montana | $1,252 | $84 | 7.2% |
| Nebraska | $920 | -$248 | -21.2% |
| Nevada | $1,398 | $230 | 19.7% |
| New Hampshire | $840 | -$328 | -28.1% |
| New Jersey | $1,304 | $136 | 11.6% |
| New Mexico | $1,032 | -$136 | -11.6% |
| New York | $1,228 | $60 | 5.1% |
| North Carolina | $672 | -$496 | -42.5% |
| North Dakota | $956 | -$212 | -18.2% |
| Ohio | $804 | -$364 | -31.2% |
| Oklahoma | $1,196 | $28 | 2.4% |
| Oregon | $1,068 | -$100 | -8.6% |
| Pennsylvania | $1,110 | -$58 | -5.0% |
| Rhode Island | $1,558 | $390 | 33.4% |
| South Carolina | $1,058 | -$110 | -9.4% |
| South Dakota | $986 | -$182 | -15.6% |
| Tennessee | $1,020 | -$148 | -12.7% |
| Texas | $1,404 | $236 | 20.2% |
| Utah | $862 | -$306 | -26.2% |
| Vermont | $798 | -$370 | -31.7% |
| Virginia | $698 | -$470 | -40.2% |
| Washington | $898 | -$270 | -23.1% |
| West Virginia | $1,068 | -$100 | -8.6% |
| Wisconsin | $808 | -$360 | -30.8% |
| Wyoming | $1,038 | -$130 | -11.1% |
Opting for high physical damage deductibles could save up to $300 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $486 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance can cost around 43% to 134% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Ridgeline RT 4WD | $1,122 | $94 |
| Honda Ridgeline RTS 4WD | $1,146 | $96 |
| Honda Ridgeline RTL 4WD | $1,168 | $97 |
| Honda Ridgeline RTL W/Navigation 4WD | $1,190 | $99 |
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 | $320 | $542 | $440 | $1,482 |
| 2023 Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| 2022 Honda Ridgeline | $296 | $524 | $470 | $1,470 |
| 2021 Honda Ridgeline | $286 | $502 | $486 | $1,454 |
| 2020 Honda Ridgeline | $270 | $484 | $500 | $1,434 |
| 2019 Honda Ridgeline | $260 | $450 | $510 | $1,400 |
| 2018 Honda Ridgeline | $250 | $424 | $514 | $1,368 |
| 2017 Honda Ridgeline | $240 | $380 | $520 | $1,320 |
| 2016 Honda Ridgeline | $224 | $350 | $520 | $1,274 |
| 2014 Honda Ridgeline | $210 | $306 | $534 | $1,230 |
| 2012 Honda Ridgeline | $190 | $258 | $540 | $1,168 |
| 2011 Honda Ridgeline | $176 | $236 | $534 | $1,126 |
| 2010 Honda Ridgeline | $166 | $214 | $534 | $1,094 |
| 2008 Honda Ridgeline | $158 | $188 | $520 | $1,046 |
| 2007 Honda Ridgeline | $156 | $178 | $510 | $1,024 |
| 2006 Honda Ridgeline | $142 | $170 | $504 | $996 |
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
Getting lower rates on auto insurance not only requires being safe and accident-free, but also having a good credit history, being claim-free, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
Below you'll find a quick review of the data covered in the charts and tables above.
- Consumers who purchase more liability protection will pay around $590 per year to go from a low limit to 250/500 limits
- You may be able to save around $130 per year just by shopping early and online
- Increasing physical damage deductibles can save around $300 each year
- Youthful drivers are the costliest to insure, possibly costing $391 a month including comprehensive and collision insurance
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 | $4,690 |
| 20 | $2,668 |
| 30 | $1,186 |
| 40 | $1,168 |
| 50 | $1,070 |
| 60 | $1,048 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,360 |
| $250 | $1,274 |
| $500 | $1,168 |
| $1,000 | $1,064 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,168 |
| 50/100 | $1,298 |
| 100/300 | $1,433 |
| 250/500 | $1,784 |
| 100 CSL | $1,352 |
| 300 CSL | $1,649 |
| 500 CSL | $1,865 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,614 |
| 20 | $4,254 |
| 30 | $2,532 |
| 40 | $2,510 |
| 50 | $2,400 |
| 60 | $2,378 |
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 | $59 |
| Multi-vehicle | $63 |
| Homeowner | $21 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $43 |
| Advance Quote | $51 |
| Online Quote | $79 |
| Total Discounts | $461 |
Discounts are estimated and may not be available from every company or in every state.
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