Honda Element Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 12, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 $906 a year for full coverage insurance. Comprehensive insurance costs around $136 a year, collision insurance costs $160, and liability coverage is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs $1,942 or more. 16-year-old drivers pay the highest rates at up to $3,712 a year.
Average premium for full coverage: $906
Price estimates for individual coverage:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Element trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Honda Element insurance prices range from the low end price of $504 for a discount liability-only rate to a high of $1,942 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities. The diagram below illustrates how where you live affects auto insurance rates.
The ranges above illustrate why it is important to compare rates quotes for a specific zip code, 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.
Rates by State, City, and Model
The chart below illustrates average Honda Element insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $559
- Raising to $1,000 deductibles will save about $838 each year
- The estimated price for the average middle-age driver using $500 deductibles is $906
- Buying low $100 deductibles will cost an additional $128 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $1,942
- The price that insures a teenage driver can be $3,712
Car insurance prices for a Honda Element are also quite variable based on the trim level of your Element, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,100 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 40% to 135% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $3,700 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 $590 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,230 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $820 | -$86 | -9.5% |
| Alaska | $694 | -$212 | -23.4% |
| Arizona | $752 | -$154 | -17.0% |
| Arkansas | $906 | -$0 | 0.0% |
| California | $1,032 | $126 | 13.9% |
| Colorado | $864 | -$42 | -4.6% |
| Connecticut | $932 | $26 | 2.9% |
| Delaware | $1,024 | $118 | 13.0% |
| Florida | $1,134 | $228 | 25.2% |
| Georgia | $834 | -$72 | -7.9% |
| Hawaii | $650 | -$256 | -28.3% |
| Idaho | $612 | -$294 | -32.5% |
| Illinois | $674 | -$232 | -25.6% |
| Indiana | $682 | -$224 | -24.7% |
| Iowa | $610 | -$296 | -32.7% |
| Kansas | $862 | -$44 | -4.9% |
| Kentucky | $1,236 | $330 | 36.4% |
| Louisiana | $1,340 | $434 | 47.9% |
| Maine | $558 | -$348 | -38.4% |
| Maryland | $746 | -$160 | -17.7% |
| Massachusetts | $726 | -$180 | -19.9% |
| Michigan | $1,574 | $668 | 73.7% |
| Minnesota | $758 | -$148 | -16.3% |
| Mississippi | $1,084 | $178 | 19.6% |
| Missouri | $804 | -$102 | -11.3% |
| Montana | $972 | $66 | 7.3% |
| Nebraska | $716 | -$190 | -21.0% |
| Nevada | $1,086 | $180 | 19.9% |
| New Hampshire | $652 | -$254 | -28.0% |
| New Jersey | $1,012 | $106 | 11.7% |
| New Mexico | $802 | -$104 | -11.5% |
| New York | $954 | $48 | 5.3% |
| North Carolina | $522 | -$384 | -42.4% |
| North Dakota | $742 | -$164 | -18.1% |
| Ohio | $626 | -$280 | -30.9% |
| Oklahoma | $930 | $24 | 2.6% |
| Oregon | $830 | -$76 | -8.4% |
| Pennsylvania | $864 | -$42 | -4.6% |
| Rhode Island | $1,208 | $302 | 33.3% |
| South Carolina | $820 | -$86 | -9.5% |
| South Dakota | $764 | -$142 | -15.7% |
| Tennessee | $794 | -$112 | -12.4% |
| Texas | $1,092 | $186 | 20.5% |
| Utah | $672 | -$234 | -25.8% |
| Vermont | $620 | -$286 | -31.6% |
| Virginia | $542 | -$364 | -40.2% |
| Washington | $700 | -$206 | -22.7% |
| West Virginia | $830 | -$76 | -8.4% |
| Wisconsin | $626 | -$280 | -30.9% |
| Wyoming | $808 | -$98 | -10.8% |
Opting for high physical damage deductibles can reduce prices by up to $200 a year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Element LX 2WD | $890 | $74 |
| Honda Element LX 4WD | $890 | $74 |
| Honda Element EX 2WD | $906 | $76 |
| Honda Element EX 4WD | $906 | $76 |
| Honda Element SC 2WD | $906 | $76 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2008 Honda Element | $146 | $190 | $474 | $968 |
| 2006 Honda Element | $140 | $166 | $460 | $924 |
| 2005 Honda Element | $136 | $160 | $452 | $906 |
| 2004 Honda Element | $126 | $152 | $446 | $882 |
| 2003 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 Honda Element Insurance
Getting lower rates on auto insurance consists of being safe and accident-free, having a positive credit history, not filing small claims, and consideration of higher deductibles. Comparison shop at least every other year by getting quotes from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a brief recap of the car insurance concepts touched on in the above illustrations.
- Drivers who tend to receive serious violations could be forced to pay on average $1,040 more every year than a low-risk driver
- It is possible to save up to $100 per year just by quoting early and online
- Increasing physical damage deductibles can save approximately $200 each year
- Consumers who may need more liability protection will pay around $500 annually to raise from a low limit to the 250/500 level
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $3,712 |
| 20 | $2,068 |
| 30 | $914 |
| 40 | $906 |
| 50 | $832 |
| 60 | $814 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,034 |
| $250 | $976 |
| $500 | $906 |
| $1,000 | $838 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $906 |
| 50/100 | $996 |
| 100/300 | $1,109 |
| 250/500 | $1,403 |
| 100 CSL | $1,042 |
| 300 CSL | $1,290 |
| 500 CSL | $1,471 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,208 |
| 20 | $3,290 |
| 30 | $1,948 |
| 40 | $1,942 |
| 50 | $1,858 |
| 60 | $1,840 |
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 | $45 |
| Multi-vehicle | $49 |
| Homeowner | $17 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $30 |
| Advance Quote | $38 |
| Online Quote | $60 |
| Total Discounts | $347 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
