Honda Ridgeline Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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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 $1,024 a year for full coverage insurance. Comprehensive costs approximately $156 a year, collision insurance costs $178, and liability insurance costs $510. Buying just liability costs as little as $568 a year, and insurance for high-risk drivers costs around $2,192. Teens cost the most to insure at up to $4,194 a year.

Average premium for full coverage: $1,024

Policy rates by type of insurance:

Comprehensive $156
Collision $178
Liability $510

Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Ridgeline trim levels.

Price Range Variability

For an average driver, Honda Ridgeline insurance rates range from as low as $568 for a discount liability-only rate to a high of $2,192 for a driver who has had serious violations or accidents.

Liability Only $568
Full Coverage $1,024
High Risk $2,192

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $768
Small Cities $1,075
Large Cities $1,382

The examples above illustrate why it is important to compare rates using their specific location and risk profile, 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.

Rates by State, City, and Model

The chart below illustrates average Honda Ridgeline insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $633
  • Drivers who choose higher $1,000 deductibles will pay $948 each year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,024
  • Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,168
  • High risk drivers with serious driving violations could pay around $2,192
  • Policy cost for full coverage for a teen driver can cost $4,194 a year

View Chart as Image

Honda Ridgeline insurance cost comparison chart
Column chart showing Honda Ridgeline insurance rates range from $633 to $4,194 for full coverage

Insurance rates for a Honda Ridgeline also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $4,100 a year. View Rates by Age

Your home state makes a big difference in Honda Ridgeline insurance rates. A 40-year-old driver could pay as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,380 on average in Florida, New York, and Michigan.

Honda Ridgeline Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $924 -$100 -9.8%
Alaska $786 -$238 -23.2%
Arizona $852 -$172 -16.8%
Arkansas $1,024 -$0 0.0%
California $1,168 $144 14.1%
Colorado $974 -$50 -4.9%
Connecticut $1,052 $28 2.7%
Delaware $1,158 $134 13.1%
Florida $1,282 $258 25.2%
Georgia $946 -$78 -7.6%
Hawaii $734 -$290 -28.3%
Idaho $696 -$328 -32.0%
Illinois $762 -$262 -25.6%
Indiana $772 -$252 -24.6%
Iowa $690 -$334 -32.6%
Kansas $972 -$52 -5.1%
Kentucky $1,396 $372 36.3%
Louisiana $1,514 $490 47.9%
Maine $632 -$392 -38.3%
Maryland $844 -$180 -17.6%
Massachusetts $816 -$208 -20.3%
Michigan $1,776 $752 73.4%
Minnesota $856 -$168 -16.4%
Mississippi $1,226 $202 19.7%
Missouri $906 -$118 -11.5%
Montana $1,100 $76 7.4%
Nebraska $806 -$218 -21.3%
Nevada $1,228 $204 19.9%
New Hampshire $738 -$286 -27.9%
New Jersey $1,146 $122 11.9%
New Mexico $906 -$118 -11.5%
New York $1,078 $54 5.3%
North Carolina $590 -$434 -42.4%
North Dakota $840 -$184 -18.0%
Ohio $708 -$316 -30.9%
Oklahoma $1,052 $28 2.7%
Oregon $938 -$86 -8.4%
Pennsylvania $974 -$50 -4.9%
Rhode Island $1,366 $342 33.4%
South Carolina $930 -$94 -9.2%
South Dakota $864 -$160 -15.6%
Tennessee $894 -$130 -12.7%
Texas $1,234 $210 20.5%
Utah $758 -$266 -26.0%
Vermont $700 -$324 -31.6%
Virginia $614 -$410 -40.0%
Washington $790 -$234 -22.9%
West Virginia $938 -$86 -8.4%
Wisconsin $708 -$316 -30.9%
Wyoming $912 -$112 -10.9%

View Chart as Image

Honda Ridgeline insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $220 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $459 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 130% more than the average policy. View High Risk Driver Rates

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 $994 $83
Honda Ridgeline RTS 4WD $1,008 $84
Honda Ridgeline RTL 4WD $1,024 $85
Honda Ridgeline RTL W/Navigation 4WD $1,040 $87

Rates assume 2006 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
2011 Honda Ridgeline $190 $258 $540 $1,168
2008 Honda Ridgeline $162 $192 $530 $1,064
2007 Honda Ridgeline $158 $188 $520 $1,046
2006 Honda Ridgeline $156 $178 $510 $1,024

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 Affordable Honda Ridgeline Insurance

Finding cheaper rates on Honda Ridgeline insurance not only requires not taking risks behind the wheel, but also maintaining good credit, being claim-free, and possibly raising deductibles. Take the time to compare rates every other policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a brief review of the ideas that were covered in the above illustrations.

  • Teens are expensive to insure, possibly costing $350 each month for full coverage
  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,170 more per year for Ridgeline insurance
  • Increasing comprehensive and collision deductibles can save around $225 each year
  • It is possible to save around $110 per year just by quoting 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 $4,194
20 $2,336
30 $1,036
40 $1,024
50 $944
60 $922

Full coverage, $500 deductibles

Rates by Deductible

Honda Ridgeline Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,168
$250 $1,104
$500 $1,024
$1,000 $948

Full coverage, driver age 40

Rates by Liability Limit

Honda Ridgeline Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,024
50/100 $1,142
100/300 $1,270
250/500 $1,601
100 CSL $1,193
300 CSL $1,474
500 CSL $1,678

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Ridgeline Insurance Rates for High Risk Drivers
Age Premium
16 $5,882
20 $3,712
30 $2,204
40 $2,192
50 $2,098
60 $2,076

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 $134

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $55
Homeowner $19
5-yr Accident Free $58
5-yr Claim Free $63
Paid in Full/EFT $34
Advance Quote $43
Online Quote $68
Total Discounts $391
Rate after discounts $633

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

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