Honda Element Insurance Rates
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UPDATED: Jun 1, 2024
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How much is full insurance coverage per month for a Honda Element? The average Honda Element auto insurance policy costs $93 a month, or $1,124 a year. Read on to learn what drivers can do to save on Honda Element insurance rates and other vehicles.
To start comparison shopping for Honda Element insurance rates, enter your ZIP code in our free tool above.
U.S. average auto insurance rates for a Honda Element are $968 annually for full coverage insurance. Comprehensive costs around $146, collision costs $190, and liability coverage is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing around $2,084. Teenage drivers pay the highest rates at $3,952 a year or more.
Average premium for full coverage: $968
Price estimates for individual coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all Element models.
Price Range from Low to High
Using a middle-aged driver as an example, Honda Element insurance prices go from as cheap as $522 for a discount liability-only rate to the much higher price of $2,084 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities.
The example below illustrates how where you live affects auto insurance rates.
The ranges above illustrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below illustrates estimated Honda Element insurance rates for additional coverage choices and driver risks.
- The best discount rate is $589
- Raising to $1,000 deductibles will save about $78 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $968
- Using pricier low deductibles will cost $1,114
- Unlucky drivers who are prone to accidents and violations could pay at least $2,084 or more
- The price with full coverage for a teenage driver for full coverage can be $3,952
Car insurance prices for a Honda Element are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $3,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $1,200 to $1,700 extra each year, depending on your age. Honda Element insurance for high-risk drivers is expensive and can cost around 43% to 138% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $230 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Honda Element insurance rates. A middle-age driver might find prices as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,310 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $876 | -$92 | -9.5% |
| Alaska | $742 | -$226 | -23.3% |
| Arizona | $804 | -$164 | -16.9% |
| Arkansas | $968 | -$0 | 0.0% |
| California | $1,102 | $134 | 13.8% |
| Colorado | $926 | -$42 | -4.3% |
| Connecticut | $996 | $28 | 2.9% |
| Delaware | $1,098 | $130 | 13.4% |
| Florida | $1,212 | $244 | 25.2% |
| Georgia | $892 | -$76 | -7.9% |
| Hawaii | $694 | -$274 | -28.3% |
| Idaho | $652 | -$316 | -32.6% |
| Illinois | $720 | -$248 | -25.6% |
| Indiana | $728 | -$240 | -24.8% |
| Iowa | $652 | -$316 | -32.6% |
| Kansas | $920 | -$48 | -5.0% |
| Kentucky | $1,322 | $354 | 36.6% |
| Louisiana | $1,432 | $464 | 47.9% |
| Maine | $598 | -$370 | -38.2% |
| Maryland | $796 | -$172 | -17.8% |
| Massachusetts | $774 | -$194 | -20.0% |
| Michigan | $1,682 | $714 | 73.8% |
| Minnesota | $810 | -$158 | -16.3% |
| Mississippi | $1,158 | $190 | 19.6% |
| Missouri | $858 | -$110 | -11.4% |
| Montana | $1,038 | $70 | 7.2% |
| Nebraska | $762 | -$206 | -21.3% |
| Nevada | $1,162 | $194 | 20.0% |
| New Hampshire | $698 | -$270 | -27.9% |
| New Jersey | $1,082 | $114 | 11.8% |
| New Mexico | $858 | -$110 | -11.4% |
| New York | $1,020 | $52 | 5.4% |
| North Carolina | $558 | -$410 | -42.4% |
| North Dakota | $794 | -$174 | -18.0% |
| Ohio | $668 | -$300 | -31.0% |
| Oklahoma | $996 | $28 | 2.9% |
| Oregon | $886 | -$82 | -8.5% |
| Pennsylvania | $926 | -$42 | -4.3% |
| Rhode Island | $1,290 | $322 | 33.3% |
| South Carolina | $876 | -$92 | -9.5% |
| South Dakota | $818 | -$150 | -15.5% |
| Tennessee | $848 | -$120 | -12.4% |
| Texas | $1,166 | $198 | 20.5% |
| Utah | $716 | -$252 | -26.0% |
| Vermont | $664 | -$304 | -31.4% |
| Virginia | $580 | -$388 | -40.1% |
| Washington | $748 | -$220 | -22.7% |
| West Virginia | $886 | -$82 | -8.5% |
| Wisconsin | $672 | -$296 | -30.6% |
| Wyoming | $864 | -$104 | -10.7% |
Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Element LX 2WD | $950 | $79 |
| Honda Element LX 4WD | $950 | $79 |
| Honda Element EX 2WD | $968 | $81 |
| Honda Element EX 4WD | $968 | $81 |
| Honda Element SC 2WD | $968 | $81 |
Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Honda Element | $146 | $190 | $474 | $968 |
| 2010 Honda Element | $142 | $170 | $468 | $938 |
| 2008 Honda Element | $136 | $160 | $452 | $906 |
| 2006 Honda Element | $120 | $144 | $442 | $864 |
Rates are averaged for all Honda Element models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Honda Element Insurance
Getting lower rates on auto insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a review of the car insurance concepts touched on in the above illustrations.
- Drivers who have several accidents or serious violations pay on average $1,120 more every year for car insurance
- It is possible to save up to $110 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $225 each year
- Consumers who may need higher liability limits will pay an extra $520 annually to raise from a low limit to higher 250/500 limits
Shopping for Honda Element insurance rates is one of the best ways to reduce rates. It will also help you discover how much does a new Honda Element cost in comparison to an older model, such as a 2010 model.
To find rates on multiple Honda Element years, enter your ZIP code in our free tool below.
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What are the safety ratings of the Honda Element?
How much is insurance on a 2020 Honda Element? Good Honda Element safety ratings can help lower insurance costs, so a 2020 Honda Element with all the latest safety features and good crash test ratings may be cheaper to insure than an older model with poor safety features.
The Honda Element has some great safety features: 4-wheel anti-lock braking system (ABS), vehicle stability assist (VSA), side-impact door beams, and a tire pressure monitoring system. The Insurance Institute for Highway Safety (IIHS) also awarded the Honda Element with a 2011 Top Safety Pick award, as it tested well in the following crash tests:
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The video below shows an example of one of the Honda Element’s crash tests.
Honda Element Compared Against Other Vehicles in the Same Class
The Honda Element is classified as a small SUV, and SUVS are prone to having higher liability insurance losses. However, the IIHS does not have data on how the Honda Element’s liability losses compare to other small SUVs. To see how other small SUVs’ rates compare to the Honda Elements’ rates, take a look at the list below.
To jump right into finding the best Honda Element insurance rates, enter your ZIP code in our free tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,952 |
| 20 | $2,216 |
| 30 | $980 |
| 40 | $968 |
| 50 | $890 |
| 60 | $870 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,114 |
| $250 | $1,048 |
| $500 | $968 |
| $1,000 | $890 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $968 |
| 50/100 | $1,063 |
| 100/300 | $1,181 |
| 250/500 | $1,489 |
| 100 CSL | $1,110 |
| 300 CSL | $1,371 |
| 500 CSL | $1,561 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,556 |
| 20 | $3,536 |
| 30 | $2,096 |
| 40 | $2,084 |
| 50 | $1,994 |
| 60 | $1,972 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $49 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $42 |
| Online Quote | $65 |
| Total Discounts | $379 |
Discounts are estimated and may not be available from every company or in every state.
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