Honda Element LX 2WD Insurance Rates

The average auto insurance rates for a Honda Element LX 2WD are $1,282 annually for full coverage insurance. Comprehensive insurance costs approximately $284, collision costs $476, and liability costs $364. A liability-only policy costs as little as $430 a year, with high-risk insurance costing $2,758 or more. Teen drivers cost the most to insure at $4,762 a year or more.

Annual premium for full coverage: $1,282

Policy rates by type of coverage:

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

Price Range for Insurance for this Honda Element Trim Level

These price differences illustrate why everyone should compare rates using their specific location and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Car insurance rates for a Honda Element LX 2WD also range considerably based on the model year, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Honda Element LX 2WD insurance for high-risk drivers can cost from 44% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $510 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Honda Element LX 2WD insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Because prices have so much variability, the only way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Every company uses a different rate calculation, so rate quotes will be varied between companies.

View Chart as Image

The chart estimates Honda Element LX 2WD insurance prices for different situations. The cheapest discount price is $748. Drivers who choose higher $1,000 deductibles will pay about $1,110. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,282. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,618. High risk drivers could be charged around $2,758. The rate for full coverage for a teenager is $4,762.

View Chart as Image