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 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.

The average insurance prices for a Honda Element are $998 every 12 months with full coverage. Comprehensive insurance costs around $156 each year, collision costs $210, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing $2,148 or more. Teen drivers cost the most to insure at $4,040 a year or more.

Average premium for full coverage: $998

Policy rates for type of insurance:

Comprehensive $156
Collision $210
Liability $474

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Element models.

Price Range Variability

For a 40-year-old driver, Honda Element insurance rates go from the cheapest price of $522 for the bare minimum liability coverage to a high rate of $2,148 for coverage for higher-risk drivers.

Liability Only $522
Full Coverage $998
High Risk $2,148

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than larger metro areas.

The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $749
Small Cities $1,048
Large Cities $1,347

The examples above demonstrate why all drivers should get quotes for a specific zip code and their own driving history, rather than relying on price 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.

Additional Rate Information

The chart below details estimated Honda Element insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $606
  • Choosing higher $1,000 deductibles can save about $84 annually
  • The average price for a good driver age 40 using $500 deductibles is $998
  • Choosing low deductibles for comp and collision coverage costs an extra $156 a year
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,148 or more
  • Policy cost to insure a teen driver can be $4,040 each year

View Chart as Image

Honda Element insurance cost comparison chart
Column chart showing full coverage Honda Element insurance prices range from $606 to $4,040

Insurance rates for a Honda Element also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing high deductibles can save as much as $240 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 134% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda Element insurance rates. A good driver about age 40 could pay as low as $720 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,350 on average in Florida, Michigan, and New York.

Honda Element Insurance Rates by State
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%

View Chart as Image

Honda Element insurance rates by U.S. city

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and rates will be varied.

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 $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.

Honda Element Insurance Rates by Model Year
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 Affordable Honda Element Insurance

Finding cheaper rates on Honda Element insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around at least once a year by requesting rates from direct companies, and also from several local insurance agents.

The points below are a brief review of the primary concepts that were illustrated above.

  • You may be able to save up to $110 per year simply by quoting online in advance
  • High-risk drivers with DUI or reckless driving convictions pay on average $1,150 more every year to insure a Honda Element
  • Increasing comprehensive and collision deductibles could save as much as $250 each year
  • Drivers under the age of 20 are charged the highest rates, as much as $337 each month if full coverage is included

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

  1. https://www.iihs.org/ratings/vehicle/honda/element-4-door-suv/2011

Rates by Driver Age

Honda Element Insurance 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

Honda Element Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,154
$250 $1,082
$500 $998
$1,000 $914

Full coverage, driver age 40

Rates by Liability Limit

Honda Element Insurance Rates with Different Liability Limits
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

Honda Element Insurance 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.

SR-22 Surcharge $134

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
Rate after discounts $606

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

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