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...

Insurance Lawyer

UPDATED: May 12, 2022

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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 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:

Comprehensive $136
Collision $160
Liability $452

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.

Liability Only $504
Full Coverage $906
High Risk $1,942

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.

Rural Areas $680
Small Cities $951
Large Cities $1,223

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

View Chart as Image

Honda Element insurance cost comparison chart
Column chart showing Honda Element insurance prices range from $559 to $3,712 for full coverage

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.

Honda Element Insurance Rates by State
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%

View Chart as Image

Honda Element insurance rates by U.S. city

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

Honda Element Insurance Rates by Model and Trim Level
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.

Honda Element Insurance Rates by Model Year
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.

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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 $3,712
20 $2,068
30 $914
40 $906
50 $832
60 $814

Full coverage, $500 deductibles

Rates by Deductible

Honda Element Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,034
$250 $976
$500 $906
$1,000 $838

Full coverage, driver age 40

Rates by Liability Limit

Honda Element Insurance Rates with Different Liability Limits
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

Honda Element Insurance 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.

SR-22 Surcharge $119

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
Rate after discounts $559

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

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