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 insurance rates for a Honda Element are $968 a year for full coverage. Comprehensive insurance costs an estimated $146, collision costs $190, and liability insurance costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing $2,084 or more. 16-year-old drivers pay the highest rates at $3,952 a year or more.
Average premium for full coverage: $968
Price estimates broken down by individual coverage:
Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different Element trim levels.
Price Range from Low to High
For an average driver, Honda Element insurance prices go from the low end price of $522 for a discount liability-only rate to a much higher rate of $2,084 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than congested cities.
The price range example below illustrates the effect of geographic area on insurance prices.
The ranges above show why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on rate averages.
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 shows estimated Honda Element insurance rates for other coverage scenarios.
- The best full coverage rate is $589
- Using higher $1,000 deductibles will save approximately $78 a year
- The estimated price for the average middle-age driver who has $500 deductibles is $968
- Buying more expensive low deductibles for physical damage coverage will cost an additional $146 a year
- Drivers with multiple tickets or accidents could pay up to $2,084 or more
- The price that insures a teen driver with full coverage can cost as much as $3,952 or more
Car insurance prices for a Honda Element are also quite variable based on the model year and trim level, how you drive, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you could be paying $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 138% more than the average rate. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $3,900 a year. View Rates by Age
The state you live in has a huge impact on Honda Element insurance rates. A driver around age 40 might see prices as low as $640 a year in states like Iowa, Maine, and Idaho, or at least $1,380 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $230 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection 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
Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes may be quite different.
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 Find the Best Honda Element Insurance
Getting lower rates on Honda Element insurance requires being a safe and courteous driver, having a positive credit history, eliminating unnecessary coverage, and not having any coverage lapses. Comparison shop at every policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
Below is a brief recap of the data covered in the above illustrations.
- Drivers who want higher levels of liability will pay around $520 each year to increase from a low limit to the 250/500 level
- Drivers can save approximately $110 per year simply by shopping early and online
- Increasing physical damage deductibles can save approximately $225 each year
- Teenage drivers have the highest car insurance prices, with premiums as much as $329 a month if full coverage is purchased
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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