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.
Average insurance prices for a Honda Element are $998 every 12 months for full coverage. Comprehensive costs approximately $156 each year, collision insurance costs $210, and liability coverage is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs around $2,148. 16-year-old drivers receive the highest rates at up to $4,040 a year.
Average premium for full coverage: $998
Rate estimates by individual coverage type:
Prices include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Element models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the cheapest price of $522 for basic liability insurance to a high rate of $2,148 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities. The graphic below illustrates the difference location can make on auto insurance prices.
These examples show why all drivers should compare rates quotes using their specific location and their own driving history, rather than 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.
Rate Comparisons
The chart below shows average Honda Element insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $606
- Raising to $1,000 deductibles will save $84 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $998
- Buying low deductibles increases the price to $1,154
- Unlucky drivers with multiple tickets or accidents could pay around $2,148
- The cost to insure a teenage driver can cost $4,040
Insurance rates for a Honda Element can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Element.
Opting for high physical damage deductibles can reduce rates by up to $240 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,700 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 134% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Honda Element insurance rates. A middle-age driver might find rates as low as $660 a year in states like Iowa, Maine, and Idaho, or at least $1,420 on average in New York, Louisiana, 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% |
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 Shop for the Right Honda Element Insurance
Saving money on auto insurance consists of being safe and accident-free, having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Make time to compare rates every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a quick rundown of the material that was touched on in this article.
- Consumers who purchase more liability protection will pay around $520 each year to raise from a minimum limit to a 250/500 level
- Youthful drivers are the costliest to insure, costing as high as $337 per month if full coverage is included
- Drivers with reckless driving or DUI convictions may pay on average $1,150 more per year than a low-risk driver
- Increasing deductibles could save as much as $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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