1. Vehicles
  2. Honda
  3. Ridgeline
  4. RTS 4WD

Honda Ridgeline RTS 4WD Insurance Rates

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

Average insurance rates for a Honda Ridgeline RTS 4WD are $1,456 a year for full coverage insurance. Comprehensive insurance costs approximately $326 each year, collision costs $540, and liability costs around $410. Liability-only coverage costs as low as $486 a year, with high-risk coverage costing $3,128 or more. Teenage drivers receive the highest rates at $5,390 a year or more.

Annual premium for full coverage: $1,456

Rate estimates by individual coverage:

Comprehensive $326
Collision $540
Liability $410

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

Price Range for Insurance for this Honda Ridgeline Trim Level

For a driver in their 40's, prices go from the low end price of $486 for just liability insurance to a high rate of $3,128 for a driver who has had serious violations or accidents.

Liability Only $486
Full Coverage $1,456
High Risk $3,128

These differences illustrate why all drivers should compare prices using their specific location, instead of using average rates.

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.

Recommended Companies for Cheap Honda Ridgeline RTS 4WD Insurance

Searching Companies

Car insurance rates for a Honda Ridgeline RTS 4WD can also vary considerably based on the actual cash value of your Ridgeline, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,300 a year. View Rates by Age

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

Using high physical damage deductibles could cut prices by as much as $580 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $369 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes can be significantly different.

View Chart as Image

Honda Ridgeline RTS 4WD insurance cost comparison chart
Column chart showing Honda Ridgeline RTS 4WD insurance prices range from $850 to $5,390 for full coverage

The chart estimates Honda Ridgeline RTS 4WD insurance prices for different risks and coverage choices. The best price after discounts is $850. Drivers who use higher $1,000 deductibles will pay $1,260. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,456. Using lower $100 deductibles for physical damage coverage could cost up to $1,838. Drivers with multiple violations and accidents could be charged as much as $3,128. The policy rate for full coverage for a teenager can be as high as $5,390.

Honda Ridgeline RTS 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,318 -$138 -9.5%
Alaska $1,116 -$340 -23.4%
Arizona $1,208 -$248 -17.0%
Arkansas $1,456 -$0 0.0%
California $1,660 $204 14.0%
Colorado $1,390 -$66 -4.5%
Connecticut $1,496 $40 2.7%
Delaware $1,648 $192 13.2%
Florida $1,822 $366 25.1%
Georgia $1,346 -$110 -7.6%
Hawaii $1,044 -$412 -28.3%
Idaho $988 -$468 -32.1%
Illinois $1,084 -$372 -25.5%
Indiana $1,100 -$356 -24.5%
Iowa $982 -$474 -32.6%
Kansas $1,382 -$74 -5.1%
Kentucky $1,986 $530 36.4%
Louisiana $2,158 $702 48.2%
Maine $902 -$554 -38.0%
Maryland $1,202 -$254 -17.4%
Massachusetts $1,162 -$294 -20.2%
Michigan $2,530 $1,074 73.8%
Minnesota $1,220 -$236 -16.2%
Mississippi $1,746 $290 19.9%
Missouri $1,292 -$164 -11.3%
Montana $1,564 $108 7.4%
Nebraska $1,150 -$306 -21.0%
Nevada $1,748 $292 20.1%
New Hampshire $1,052 -$404 -27.7%
New Jersey $1,630 $174 12.0%
New Mexico $1,290 -$166 -11.4%
New York $1,534 $78 5.4%
North Carolina $838 -$618 -42.4%
North Dakota $1,194 -$262 -18.0%
Ohio $1,006 -$450 -30.9%
Oklahoma $1,496 $40 2.7%
Oregon $1,334 -$122 -8.4%
Pennsylvania $1,388 -$68 -4.7%
Rhode Island $1,944 $488 33.5%
South Carolina $1,320 -$136 -9.3%
South Dakota $1,230 -$226 -15.5%
Tennessee $1,274 -$182 -12.5%
Texas $1,754 $298 20.5%
Utah $1,078 -$378 -26.0%
Vermont $996 -$460 -31.6%
Virginia $872 -$584 -40.1%
Washington $1,124 -$332 -22.8%
West Virginia $1,336 -$120 -8.2%
Wisconsin $1,008 -$448 -30.8%
Wyoming $1,296 -$160 -11.0%

View Chart as Image

Honda Ridgeline RTS 4WD insurance rates by U.S. city

Not your model?

Choose a different trim level below

Rates by Driver Age

Honda Ridgeline RTS 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,390
20 $3,336
30 $1,516
40 $1,456
50 $1,328
60 $1,302

Full coverage, $500 deductibles

Rates by Deductible

Honda Ridgeline RTS 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,838
$250 $1,662
$500 $1,456
$1,000 $1,260

Full coverage, driver age 40

Rates by Liability Limit

Honda Ridgeline RTS 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,456
50/100 $1,538
100/300 $1,641
250/500 $1,907
100 CSL $1,579
300 CSL $1,805
500 CSL $1,969

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Ridgeline RTS 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,678
20 $5,292
30 $3,198
40 $3,128
50 $2,980
60 $2,952

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 $197

Potential Rate Discounts

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

Discount Savings
Multi-policy $77
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $105
5-yr Claim Free $92
Paid in Full/EFT $65
Advance Quote $70
Online Quote $102
Total Discounts $606
Rate after discounts $850

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption