Honda Element Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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 $998 a year for full coverage insurance. Comprehensive insurance costs on average $156, collision insurance costs $210, and liability insurance is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,148 or more. Teen drivers pay the highest rates at up to $4,040 a year.
Average premium for full coverage: $998
Price estimates by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different Element trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Honda Element insurance prices range from as low as $522 for minimum levels of liability insurance to a much higher rate of $2,148 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on insurance rates. Rural areas have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates how rural and urban location affects car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than relying on price 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.
Additional Rate Details
The chart below illustrates average Honda Element insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $606
- Raising to $1,000 deductibles will save around $84 each year
- The average rate for the average middle-age driver with $500 deductibles is $998
- Choosing more expensive low deductibles will cost an extra $156 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,148
- The price for full coverage for a teen driver with full coverage may cost $4,040
Car insurance prices for a Honda Element are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.
An older driver with no driving violations and high deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $4,000 a year. View Rates by Age
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 $650 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,350 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $902 | -$96 | -9.6% |
| Alaska | $762 | -$236 | -23.6% |
| Arizona | $826 | -$172 | -17.2% |
| Arkansas | $998 | -$0 | 0.0% |
| California | $1,134 | $136 | 13.6% |
| Colorado | $952 | -$46 | -4.6% |
| Connecticut | $1,026 | $28 | 2.8% |
| Delaware | $1,130 | $132 | 13.2% |
| Florida | $1,248 | $250 | 25.1% |
| Georgia | $920 | -$78 | -7.8% |
| Hawaii | $716 | -$282 | -28.3% |
| Idaho | $674 | -$324 | -32.5% |
| Illinois | $742 | -$256 | -25.7% |
| Indiana | $748 | -$250 | -25.1% |
| Iowa | $672 | -$326 | -32.7% |
| Kansas | $948 | -$50 | -5.0% |
| Kentucky | $1,360 | $362 | 36.3% |
| Louisiana | $1,474 | $476 | 47.7% |
| Maine | $616 | -$382 | -38.3% |
| Maryland | $820 | -$178 | -17.8% |
| Massachusetts | $798 | -$200 | -20.0% |
| Michigan | $1,732 | $734 | 73.5% |
| Minnesota | $834 | -$164 | -16.4% |
| Mississippi | $1,192 | $194 | 19.4% |
| Missouri | $884 | -$114 | -11.4% |
| Montana | $1,070 | $72 | 7.2% |
| Nebraska | $786 | -$212 | -21.2% |
| Nevada | $1,196 | $198 | 19.8% |
| New Hampshire | $716 | -$282 | -28.3% |
| New Jersey | $1,114 | $116 | 11.6% |
| New Mexico | $884 | -$114 | -11.4% |
| New York | $1,050 | $52 | 5.2% |
| North Carolina | $574 | -$424 | -42.5% |
| North Dakota | $816 | -$182 | -18.2% |
| Ohio | $688 | -$310 | -31.1% |
| Oklahoma | $1,024 | $26 | 2.6% |
| Oregon | $912 | -$86 | -8.6% |
| Pennsylvania | $952 | -$46 | -4.6% |
| Rhode Island | $1,328 | $330 | 33.1% |
| South Carolina | $902 | -$96 | -9.6% |
| South Dakota | $840 | -$158 | -15.8% |
| Tennessee | $874 | -$124 | -12.4% |
| Texas | $1,200 | $202 | 20.2% |
| Utah | $738 | -$260 | -26.1% |
| Vermont | $684 | -$314 | -31.5% |
| Virginia | $596 | -$402 | -40.3% |
| Washington | $772 | -$226 | -22.6% |
| West Virginia | $912 | -$86 | -8.6% |
| Wisconsin | $690 | -$308 | -30.9% |
| Wyoming | $888 | -$110 | -11.0% |
Choosing high deductibles can reduce prices by up to $240 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 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
If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 134% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Element LX 2WD | $976 | $81 |
| Honda Element LX 4WD | $976 | $81 |
| Honda Element EX 2WD | $998 | $83 |
| Honda Element EX 4WD | $998 | $83 |
| Honda Element SC 2WD | $998 | $83 |
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 | $156 | $210 | $474 | $998 |
| 2010 Honda Element | $146 | $190 | $474 | $968 |
| 2008 Honda Element | $140 | $166 | $460 | $924 |
| 2006 Honda Element | $126 | $152 | $446 | $882 |
| 2005 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 Cheap Honda Element Insurance
Getting lower rates on Honda Element insurance consists of having a decent driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every couple of years by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following items are a quick review of the material that was raised in the charts and tables above.
- Drivers who require additional liability coverage will pay about $520 annually to raise from a low limit to 250/500 limits
- 16 to 18-year-old drivers are expensive to insure, as much as $337 a month if full coverage is included
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,150 more each year than a driver with a clean driving record
- Increasing physical damage deductibles can save around $250 each year
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 | $4,040 |
| 20 | $2,282 |
| 30 | $1,012 |
| 40 | $998 |
| 50 | $914 |
| 60 | $896 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,154 |
| $250 | $1,082 |
| $500 | $998 |
| $1,000 | $914 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $998 |
| 50/100 | $1,093 |
| 100/300 | $1,211 |
| 250/500 | $1,519 |
| 100 CSL | $1,140 |
| 300 CSL | $1,401 |
| 500 CSL | $1,591 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,688 |
| 20 | $3,640 |
| 30 | $2,162 |
| 40 | $2,148 |
| 50 | $2,054 |
| 60 | $2,032 |
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 | $50 |
| Multi-vehicle | $54 |
| Homeowner | $18 |
| 5-yr Accident Free | $60 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $36 |
| Advance Quote | $44 |
| Online Quote | $67 |
| Total Discounts | $392 |
Discounts are estimated and may not be available from every company or in every state.
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