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 for full coverage insurance. Comprehensive insurance costs around $166, collision costs $228, and liability insurance costs $478. Buying just liability costs as little as $526 a year, with insurance for high-risk drivers costing $2,222 or more. Teenage drivers pay the highest rates at $4,154 a year or more.
Average premium for full coverage: $1,030
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all Element models.
Price Range from Low to High
For a 40-year-old driver, Honda Element insurance prices go from the cheapest price of $526 for your basic liability-only policy to the much higher price of $2,222 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities.
The example below illustrates how your location can change auto insurance rates.
The ranges above illustrate why everyone should compare rates for a specific zip code and their own driving history, rather than relying on 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 Information
The chart below illustrates estimated Honda Element insurance rates for additional coverage choices and driver risks.
- The best discount rate is $623
- Drivers who choose higher $1,000 deductibles will pay about $90 each year
- The average price for the average middle-age driver using $500 deductibles is $1,030
- Using pricier low deductibles for comprehensive and collision insurance costs an extra $172 a year
- High risk drivers who are prone to accidents and violations could pay at least $2,222 or more
- The price to insure a teen driver for full coverage can be $4,154 a year
Insurance prices for a Honda Element are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Using high physical damage deductibles could save up to $270 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,200 to $1,800 additional each year, depending on your age. Honda Element insurance for high-risk drivers can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates
The state you live in makes a big difference in Honda Element insurance rates. A 40-year-old driver could pay as low as $680 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,390 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, and prices may be quite different.
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 Honda Element insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a condensed summary of the data that was illustrated above.
- It is possible to save up to $120 per year simply by quoting online well ahead of the renewal date
- Drivers who may need increased liability limits will pay an extra $530 annually to go from a low limit to a 250/500 level
- Drivers under the age of 20 are charged the highest prices, as much as $346 a month if full coverage is included
- High-risk drivers with multiple at-fault accidents may pay on average $1,190 more every year to insure a Honda Element
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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