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 prices for a Honda Element are $1,030 every 12 months including full coverage. Comprehensive costs approximately $166, collision insurance costs $228, and liability is estimated at $478. A policy with just liability insurance costs approximately $526 a year, and coverage for high-risk drivers costs around $2,222. 16-year-old drivers pay the highest rates at up to $4,154 a year.
Average premium for full coverage: $1,030
Price estimates by individual coverage:
Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Element models.
Price Range from Low to High
For an average driver, Honda Element insurance prices range from the cheapest price of $526 for just liability coverage to the much higher price of $2,222 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than congested cities. The example below illustrates the effect of geographic area on auto insurance prices.
The ranges above highlight why everyone should get quotes using their specific location and their own driving history, instead of using 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.
Detailed Rate Analysis
The chart below breaks down average Honda Element insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $623
- Choosing higher $1,000 deductibles can save $90 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,030
- Buying pricier low deductibles for comp and collision coverage increases the price to $1,202
- Unlucky drivers with multiple tickets or accidents could pay around $2,222
- The price to insure a teen driver for full coverage can cost $4,154 each year
Insurance prices for a Honda Element are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Element.
Opting for high physical damage deductibles can save as much as $270 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,200 to $1,800 extra each year, depending on your age. Honda Element insurance for high-risk drivers ranges as much as 43% to 129% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Honda Element insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,470 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $932 | -$98 | -9.5% |
| Alaska | $792 | -$238 | -23.1% |
| Arizona | $856 | -$174 | -16.9% |
| Arkansas | $1,030 | -$0 | 0.0% |
| California | $1,174 | $144 | 14.0% |
| Colorado | $984 | -$46 | -4.5% |
| Connecticut | $1,062 | $32 | 3.1% |
| Delaware | $1,166 | $136 | 13.2% |
| Florida | $1,290 | $260 | 25.2% |
| Georgia | $952 | -$78 | -7.6% |
| Hawaii | $740 | -$290 | -28.2% |
| Idaho | $698 | -$332 | -32.2% |
| Illinois | $768 | -$262 | -25.4% |
| Indiana | $776 | -$254 | -24.7% |
| Iowa | $694 | -$336 | -32.6% |
| Kansas | $982 | -$48 | -4.7% |
| Kentucky | $1,408 | $378 | 36.7% |
| Louisiana | $1,524 | $494 | 48.0% |
| Maine | $636 | -$394 | -38.3% |
| Maryland | $850 | -$180 | -17.5% |
| Massachusetts | $826 | -$204 | -19.8% |
| Michigan | $1,794 | $764 | 74.2% |
| Minnesota | $864 | -$166 | -16.1% |
| Mississippi | $1,236 | $206 | 20.0% |
| Missouri | $916 | -$114 | -11.1% |
| Montana | $1,108 | $78 | 7.6% |
| Nebraska | $814 | -$216 | -21.0% |
| Nevada | $1,236 | $206 | 20.0% |
| New Hampshire | $742 | -$288 | -28.0% |
| New Jersey | $1,154 | $124 | 12.0% |
| New Mexico | $912 | -$118 | -11.5% |
| New York | $1,086 | $56 | 5.4% |
| North Carolina | $594 | -$436 | -42.3% |
| North Dakota | $844 | -$186 | -18.1% |
| Ohio | $712 | -$318 | -30.9% |
| Oklahoma | $1,058 | $28 | 2.7% |
| Oregon | $944 | -$86 | -8.3% |
| Pennsylvania | $984 | -$46 | -4.5% |
| Rhode Island | $1,376 | $346 | 33.6% |
| South Carolina | $934 | -$96 | -9.3% |
| South Dakota | $870 | -$160 | -15.5% |
| Tennessee | $904 | -$126 | -12.2% |
| Texas | $1,244 | $214 | 20.8% |
| Utah | $766 | -$264 | -25.6% |
| Vermont | $706 | -$324 | -31.5% |
| Virginia | $618 | -$412 | -40.0% |
| Washington | $796 | -$234 | -22.7% |
| West Virginia | $944 | -$86 | -8.3% |
| Wisconsin | $714 | -$316 | -30.7% |
| Wyoming | $920 | -$110 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Element LX 2WD | $1,008 | $84 |
| Honda Element LX 4WD | $1,008 | $84 |
| Honda Element EX 2WD | $1,030 | $86 |
| Honda Element EX 4WD | $1,030 | $86 |
| Honda Element SC 2WD | $1,030 | $86 |
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 | $166 | $228 | $478 | $1,030 |
| 2010 Honda Element | $156 | $210 | $474 | $998 |
| 2008 Honda Element | $142 | $170 | $468 | $938 |
| 2006 Honda Element | $136 | $160 | $452 | $906 |
| 2005 Honda Element | $126 | $152 | $446 | $882 |
| 2004 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 Shop for Cheaper Honda Element Insurance
Getting lower rates on car insurance takes being a safe and courteous driver, having good credit, being claim-free, and possibly raising deductibles. Take the time to compare rates once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
Below is a condensed summary of the data that was covered in the above illustrations.
- You may be able to save around $120 per year just by quoting online well ahead of the renewal date
- Policyholders who purchase higher levels of liability will pay around $530 per year to raise limits from a low limit to a 250/500 level
- Teenage drivers are expensive to insure, possibly costing $346 a month if they have full coverage
- Higher risk drivers with multiple at-fault accidents could be charged and average of $1,190 more per year for auto insurance
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 | $4,154 |
| 20 | $2,362 |
| 30 | $1,048 |
| 40 | $1,030 |
| 50 | $948 |
| 60 | $928 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,202 |
| $250 | $1,124 |
| $500 | $1,030 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,030 |
| 50/100 | $1,126 |
| 100/300 | $1,245 |
| 250/500 | $1,556 |
| 100 CSL | $1,173 |
| 300 CSL | $1,436 |
| 500 CSL | $1,628 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,856 |
| 20 | $3,768 |
| 30 | $2,242 |
| 40 | $2,222 |
| 50 | $2,126 |
| 60 | $2,104 |
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 | $52 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $63 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $38 |
| Advance Quote | $45 |
| Online Quote | $70 |
| Total Discounts | $407 |
Discounts are estimated and may not be available from every company or in every state.
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