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 $998 a year for full coverage insurance. Comprehensive costs approximately $156, collision costs $210, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,148. Teens pay the highest rates at $4,040 a year or more.
Average premium for full coverage: $998
Price estimates by individual coverage:
Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Element trim levels.
Price Range from Low to High
For the normal driver, Honda Element insurance prices go from the low end price of $522 for basic liability insurance to a much higher rate of $2,148 for high-risk insurance.
Geographic Price Range
Where you live has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion.
The price range example below illustrates how geographic area affects auto insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare prices using their specific location, rather than using averaged prices.
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.
Rate Comparisons
The chart below illustrates estimated Honda Element insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $606
- Using higher $1,000 deductibles will save $84 each year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $998
- Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,154
- Higher-risk drivers with serious driving violations could pay around $2,148 or more
- The price that insures a teenage driver with full coverage can cost $4,040 or more
Car insurance prices for a Honda Element are also quite variable based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance can be around 42% to 134% more than the average policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,000 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 $650 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,350 on average in Florida, New York, and Michigan.
| 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 higher comprehensive and collision insurance deductibles could cut prices by as much as $240 a year, while increasing your policy's liability limits will push prices upward. Switching 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 figure out who has the best car insurance prices is to compare prices and see how they stack up. Each insurance company calculates prices differently, 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 | $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 Right Honda Element Insurance
Getting lower rates on auto insurance requires being a low-risk driver, having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare rates every couple of years by getting rate quotes from direct insurance companies, and also from your local car insurance providers.
The items below are a quick rundown of the material that was presented in the illustrations above.
- Consumers who purchase more liability coverage will pay approximately $520 annually to increase from a low limit to the 250/500 level
- Teen drivers pay the highest auto insurance prices, as much as $337 a month if full coverage is purchased
- Drivers with reckless driving or DUI convictions could be charged and average of $1,150 more per year to insure their Element
- Increasing physical damage deductibles can save approximately $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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