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Honda Element SC 2WD Insurance Rates

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The average auto insurance rates for a Honda Element SC 2WD are $1,328 annually for full coverage insurance. Comprehensive costs around $298, collision insurance costs $508, and liability coverage costs around $364. Liability-only insurance costs as low as $430 a year, and high-risk driver insurance costs around $2,858. Teen drivers cost the most to insure at up to $4,906 a year.

Annual premium for full coverage: $1,328

Policy rates for type of insurance:

Comprehensive $298
Collision $508
Liability $364

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

Price Range for Insurance for this Honda Element Trim Level

Using a middle-aged driver as an example, Honda Element SC 2WD insurance rates range from as cheap as $430 for a discount liability-only rate to a much higher rate of $2,858 for a high-risk driver policy.

Liability Only $430
Full Coverage $1,328
High Risk $2,858

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance rates.

Rural Areas $996
Small Cities $1,394
Large Cities $1,793

These price differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Auto insurance rates for a Honda Element SC 2WD also range considerably based on the model year, your risk profile, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for teenagers, where even without any violations or accidents they will have to pay as much as $4,900 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 at least $1,600 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can be around 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $540 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $327 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Honda Element SC 2WD 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.

Because prices have so much variability, the only way to figure out your exact price is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be varied between companies.

View Chart as Image

Honda Element SC 2WD insurance cost comparison chart
Column chart showing Honda Element SC 2WD insurance prices range from $769 to $4,906 for full coverage

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

Honda Element SC 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,202 -$126 -9.5%
Alaska $1,020 -$308 -23.2%
Arizona $1,104 -$224 -16.9%
Arkansas $1,328 -$0 0.0%
California $1,514 $186 14.0%
Colorado $1,272 -$56 -4.2%
Connecticut $1,366 $38 2.9%
Delaware $1,504 $176 13.3%
Florida $1,664 $336 25.3%
Georgia $1,228 -$100 -7.5%
Hawaii $954 -$374 -28.2%
Idaho $898 -$430 -32.4%
Illinois $988 -$340 -25.6%
Indiana $1,002 -$326 -24.5%
Iowa $898 -$430 -32.4%
Kansas $1,264 -$64 -4.8%
Kentucky $1,814 $486 36.6%
Louisiana $1,966 $638 48.0%
Maine $820 -$508 -38.3%
Maryland $1,096 -$232 -17.5%
Massachusetts $1,062 -$266 -20.0%
Michigan $2,308 $980 73.8%
Minnesota $1,112 -$216 -16.3%
Mississippi $1,592 $264 19.9%
Missouri $1,180 -$148 -11.1%
Montana $1,428 $100 7.5%
Nebraska $1,048 -$280 -21.1%
Nevada $1,594 $266 20.0%
New Hampshire $958 -$370 -27.9%
New Jersey $1,486 $158 11.9%
New Mexico $1,176 -$152 -11.4%
New York $1,400 $72 5.4%
North Carolina $766 -$562 -42.3%
North Dakota $1,088 -$240 -18.1%
Ohio $916 -$412 -31.0%
Oklahoma $1,366 $38 2.9%
Oregon $1,218 -$110 -8.3%
Pennsylvania $1,266 -$62 -4.7%
Rhode Island $1,772 $444 33.4%
South Carolina $1,204 -$124 -9.3%
South Dakota $1,120 -$208 -15.7%
Tennessee $1,164 -$164 -12.3%
Texas $1,602 $274 20.6%
Utah $986 -$342 -25.8%
Vermont $910 -$418 -31.5%
Virginia $796 -$532 -40.1%
Washington $1,026 -$302 -22.7%
West Virginia $1,218 -$110 -8.3%
Wisconsin $920 -$408 -30.7%
Wyoming $1,184 -$144 -10.8%

View Chart as Image

Honda Element SC 2WD insurance rates by U.S. city

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Rates by Driver Age

Honda Element SC 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,906
20 $3,050
30 $1,386
40 $1,328
50 $1,212
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Honda Element SC 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,684
$250 $1,520
$500 $1,328
$1,000 $1,146

Full coverage, driver age 40

Rates by Liability Limit

Honda Element SC 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,328
50/100 $1,401
100/300 $1,492
250/500 $1,728
100 CSL $1,437
300 CSL $1,637
500 CSL $1,783

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Element SC 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,992
20 $4,842
30 $2,922
40 $2,858
50 $2,728
60 $2,700

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 $181

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $97
5-yr Claim Free $85
Paid in Full/EFT $61
Advance Quote $65
Online Quote $94
Total Discounts $559
Rate after discounts $769

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

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