Honda Element Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 3, 2023

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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 auto insurance rates for a Honda Element are $882 annually including full coverage. Comprehensive insurance costs an estimated $126, collision costs $152, and liability coverage costs around $446. Buying just liability costs as low as $500 a year, with insurance for high-risk drivers costing $1,892 or more. Teenage drivers pay the highest rates at $3,644 a year or more.

Average premium for full coverage: $882

Price estimates broken down by individual coverage:

Comprehensive $126
Collision $152
Liability $446

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Element trim levels.

Price Range from Low to High

For the average 40-year-old driver, Honda Element insurance prices go from as cheap as $500 for just liability insurance to a much higher rate of $1,892 for coverage for higher-risk drivers.

Liability Only $500
Full Coverage $882
High Risk $1,892

Geographic Price Range

Where you live has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on insurance prices.

Rural Areas $662
Small Cities $926
Large Cities $1,191

The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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.

More Rate Details

The chart below breaks down estimated Honda Element insurance rates for other coverage scenarios.

  • The best discount rate is $547
  • Using higher $1,000 deductibles will save approximately $64 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $882
  • Using more expensive low deductibles for physical damage coverage costs an additional $118 each year
  • Higher-risk drivers who are prone to accidents and violations could pay up to $1,892 or more
  • The price with full coverage for a teenage driver with full coverage can cost as much as $3,644 or more

View Chart as Image

Honda Element insurance cost comparison chart
Column chart showing full coverage Honda Element insurance prices range from $547 to $3,644

Insurance prices for a Honda Element are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $800 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $3,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,000 to $1,500 additional each year, depending on your age. High-risk driver insurance can be around 41% to 126% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $190 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $402 more each year. View Rates by Deductible or Liability Limit

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 $680 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,260 on average in Louisiana, New York, and Michigan.

Honda Element Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $798 -$84 -9.5%
Alaska $676 -$206 -23.4%
Arizona $732 -$150 -17.0%
Arkansas $882 -$0 0.0%
California $1,004 $122 13.8%
Colorado $842 -$40 -4.5%
Connecticut $908 $26 2.9%
Delaware $1,000 $118 13.4%
Florida $1,104 $222 25.2%
Georgia $814 -$68 -7.7%
Hawaii $632 -$250 -28.3%
Idaho $594 -$288 -32.7%
Illinois $656 -$226 -25.6%
Indiana $662 -$220 -24.9%
Iowa $594 -$288 -32.7%
Kansas $840 -$42 -4.8%
Kentucky $1,204 $322 36.5%
Louisiana $1,306 $424 48.1%
Maine $546 -$336 -38.1%
Maryland $726 -$156 -17.7%
Massachusetts $706 -$176 -20.0%
Michigan $1,532 $650 73.7%
Minnesota $738 -$144 -16.3%
Mississippi $1,058 $176 20.0%
Missouri $782 -$100 -11.3%
Montana $946 $64 7.3%
Nebraska $696 -$186 -21.1%
Nevada $1,058 $176 20.0%
New Hampshire $636 -$246 -27.9%
New Jersey $988 $106 12.0%
New Mexico $782 -$100 -11.3%
New York $930 $48 5.4%
North Carolina $510 -$372 -42.2%
North Dakota $722 -$160 -18.1%
Ohio $608 -$274 -31.1%
Oklahoma $906 $24 2.7%
Oregon $806 -$76 -8.6%
Pennsylvania $842 -$40 -4.5%
Rhode Island $1,178 $296 33.6%
South Carolina $800 -$82 -9.3%
South Dakota $744 -$138 -15.6%
Tennessee $772 -$110 -12.5%
Texas $1,064 $182 20.6%
Utah $652 -$230 -26.1%
Vermont $606 -$276 -31.3%
Virginia $528 -$354 -40.1%
Washington $680 -$202 -22.9%
West Virginia $808 -$74 -8.4%
Wisconsin $610 -$272 -30.8%
Wyoming $786 -$96 -10.9%

View Chart as Image

Honda Element insurance rates by U.S. city

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Honda Element Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Element LX 2WD $866 $72
Honda Element LX 4WD $866 $72
Honda Element EX 2WD $882 $74
Honda Element EX 4WD $882 $74
Honda Element SC 2WD $882 $74

Rates assume 2005 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.

Honda Element Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Buy Cheaper Honda Element Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having good credit, being claim-free, and maximizing policy discounts. Make time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a condensed summary of the primary concepts that were touched on in this article.

  • You may be able to save approximately $100 per year simply by shopping early and online
  • Drivers with multiple at-fault accidents could be forced to pay on average $1,010 more annually to insure a Honda Element
  • Increasing physical damage deductibles could save up to $175 each year
  • Drivers under the age of 20 are expensive to insure, possibly costing $304 a month if they have full coverage

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.



Rates by Driver Age

Honda Element Insurance Rates by Driver Age
Driver Age Premium
16 $3,644
20 $2,018
30 $890
40 $882
50 $812
60 $794

Full coverage, $500 deductibles

Rates by Deductible

Honda Element Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,000
$250 $946
$500 $882
$1,000 $818

Full coverage, driver age 40

Rates by Liability Limit

Honda Element Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $882
50/100 $971
100/300 $1,083
250/500 $1,373
100 CSL $1,016
300 CSL $1,261
500 CSL $1,440

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Element Insurance Rates for High Risk Drivers
Age Premium
16 $5,108
20 $3,214
30 $1,900
40 $1,892
50 $1,812
60 $1,794

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.

SR-22 Surcharge $116

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $43
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $50
5-yr Claim Free $54
Paid in Full/EFT $29
Advance Quote $37
Online Quote $58
Total Discounts $335
Rate after discounts $547

Discounts are estimated and may not be available from every company or in every state.

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