Honda Ridgeline Insurance Rates

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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 $1,168 every 12 months for full coverage. Comprehensive insurance costs on average $190 each year, collision insurance costs $258, and liability coverage is estimated at $540. Buying just liability costs approximately $592 a year, and insurance for high-risk drivers costs $2,510 or more. 16-year-old drivers cost the most to insure at up to $4,690 a year.

Average premium for full coverage: $1,168

Policy rates by type of insurance:

Comprehensive $190
Collision $258
Liability $540

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Ridgeline models.

Price Range Variability

For a 40-year-old driver, Honda Ridgeline insurance rates range from the cheapest price of $592 for just liability coverage to a high rate of $2,510 for a high-risk driver policy.

Liability Only $592
Full Coverage $1,168
High Risk $2,510

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than congested cities. The graphic below illustrates how your location can change car insurance rates.

Rural Areas $876
Small Cities $1,226
Large Cities $1,577

The examples above show why all drivers should get quotes based on a specific location and their own driving history, 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.

Detailed Rate Analysis

The chart below shows average Honda Ridgeline insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $707
  • Choosing higher $1,000 deductibles can save around $104 a year
  • The average price for a good driver age 40 with $500 deductibles is $1,168
  • Buying low deductibles for comp and collision coverage costs an extra $192 each year
  • Drivers with multiple tickets or accidents could pay upwards of $2,510
  • Policy cost to insure a teenage driver may cost $4,690 each year

View Chart as Image

Honda Ridgeline insurance cost comparison chart
Column chart showing Honda Ridgeline insurance prices range from $707 to $4,690 for full coverage

Insurance rates for a Honda Ridgeline also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Ridgeline.

Opting for high physical damage deductibles can save as much as $300 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $486 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $4,600 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 a minimum $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 134% more than the average rate. 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 $770 a year in states like Idaho, Maine, and Iowa, or at least $1,660 on average in Michigan, Louisiana, and New York.

Honda Ridgeline Insurance Rates by State
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%

View Chart as Image

Honda Ridgeline insurance rates by U.S. city

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 $1,122 $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.

Honda Ridgeline Insurance Rates by Model Year
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 Shop for the Best Honda Ridgeline Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to shop around every time your policy renews by getting rate quotes from direct carriers, and also from local independent and exclusive agents.

Below you'll find a brief recap of the information illustrated above.

  • Drivers can save as much as $130 per year just by quoting online in advance
  • Youthful drivers pay the highest rates, costing up to $391 each month if they have full coverage
  • Increasing comprehensive and collision deductibles could save as much as $300 each year
  • Drivers who tend to receive serious violations pay an average of $1,340 more each year than a low-risk driver
  • Consumers who require more liability protection will pay around $590 each year to raise limits from a 30/60 limit to a 250/500 level

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 $4,690
20 $2,668
30 $1,186
40 $1,168
50 $1,070
60 $1,048

Full coverage, $500 deductibles

Rates by Deductible

Honda Ridgeline Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,360
$250 $1,274
$500 $1,168
$1,000 $1,064

Full coverage, driver age 40

Rates by Liability Limit

Honda Ridgeline Insurance Rates with Different Liability Limits
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

Honda Ridgeline Insurance 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.

SR-22 Surcharge $157

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
Rate after discounts $707

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

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