Honda Ridgeline RTL 4WD Insurance Rates

U.S. average insurance rates for a Honda Ridgeline RTL 4WD are $1,502 a year including full coverage. Comprehensive insurance costs on average $340 each year, collision insurance costs $572, and liability costs $410. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs $3,228 or more. Teenage drivers pay the highest rates at up to $5,536 a year.

Annual premium for full coverage: $1,502

Price estimates by individual coverage:

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

Price Range for Insurance for this Honda Ridgeline Trim Level

These price ranges highlight why all drivers should compare rates based on a specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Car insurance rates for a Honda Ridgeline RTL 4WD are also quite variable based on your driving record, the replacement cost of your Ridgeline, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teenage drivers, where even good drivers will be charged upwards of $5,500 a year. View Rates by Age

The state you live in makes a big difference in Honda Ridgeline RTL 4WD insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $610 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase rates by as much as $369 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Since rates can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes may be quite different from one company to the next.

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The chart above shows average Honda Ridgeline RTL 4WD insurance rates for various risk profiles and scenarios. The best rate after discounts is $874. Drivers who use higher $1,000 deductibles will pay around $1,294. The average rate for a 40-year-old male driver using $500 deductibles is $1,502. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $1,902. Drivers with multiple violations and accidents could be charged at least $3,228. The policy rate for full coverage for a teen driver is $5,536.

View Chart as Image