Honda Element EX 4WD Insurance Rates

Average insurance rates for a Honda Element EX 4WD are $1,328 a year for full coverage insurance. Comprehensive costs around $298 each year, collision costs $508, and liability coverage costs around $364. Just liability insurance costs as low as $430 a year, with coverage for high-risk drivers costing around $2,858. Teen drivers receive the highest rates at $4,906 a year or more.

Annual premium for full coverage: $1,328

Rate estimates for individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Honda Element Trim Level

Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than larger metro areas.

The graphic below illustrates how your location can change auto insurance rates.

These differences illustrate why all drivers should compare prices for a specific zip code, rather than using price averages.

Use the form below to get rates for your location.

Insurance prices for a Honda Element EX 4WD can also vary considerably based on the actual cash value of your Element, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,600 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be around 43% to 135% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,900 a year. View Rates by Age

Where you live has a huge impact on Honda Element EX 4WD insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $540 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit

With so much variability in prices, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and rates can be significantly different.

View Chart as Image

The chart estimates Honda Element EX 4WD insurance prices for different risks and coverage choices. The cheapest price with discounts is $769. Drivers who choose higher $1,000 deductibles will pay $1,146. The average price for a driver age 40 with no violations using $500 deductibles is $1,328. Using lower $100 deductibles for physical damage coverage could cost up to $1,684. High risk drivers could be charged as much as $2,858. The policy rate for full coverage insurance for a 16-year-old driver can be as high as $4,906.

View Chart as Image