Honda Ridgeline Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 2, 2024
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Wondering how much should I pay for a Honda Ridgeline insurance plan? Average Honda Ridgeline insurance rates are $1,498 a year, or $124 a month. Read on to learn what drivers can do to save on insurance for Honda Ridgeline vehicles.
Use our free comparison tool above to start comparing Honda Ridgeline insurance costs.
Average insurance prices for a Honda Ridgeline are $1,482 every 12 months with full coverage. Comprehensive insurance costs an estimated $320 each year, collision costs $542, and liability insurance costs $440. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing $3,188 or more. Teenage drivers receive the highest rates at $5,524 a year or more.
Average premium for full coverage: $1,482
Rate estimates broken down by individual coverage type:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Ridgeline models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $510 for just liability insurance to a high rate of $3,188 for coverage for higher-risk drivers.
Price Range by Location
Your location has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than densely populated cities.
The graphic below illustrates how geographic area affects insurance prices.
These examples demonstrate why all drivers should compare rates for a targeted area 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 Details
The chart below details estimated Honda Ridgeline insurance rates for other coverage scenarios.
- The best discount rate is $863
- Drivers who choose higher $1,000 deductibles will pay approximately $198 annually
- The average price for a 40-year-old driver who has $500 deductibles is $1,482
- Using low deductibles for comprehensive and collision insurance costs an extra $376 a year
- High risk drivers who are prone to accidents and violations could pay up to $3,188 or more
- The cost to insure a teen driver can cost as much as $5,524 a year
Insurance rates for a Honda Ridgeline can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.
Using high physical damage deductibles could save up to $580 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $396 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 $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $5,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out $1,700 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Honda Ridgeline insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,000 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,336 | -$146 | -9.9% |
| Alaska | $1,136 | -$346 | -23.3% |
| Arizona | $1,230 | -$252 | -17.0% |
| Arkansas | $1,482 | -$0 | 0.0% |
| California | $1,686 | $204 | 13.8% |
| Colorado | $1,412 | -$70 | -4.7% |
| Connecticut | $1,520 | $38 | 2.6% |
| Delaware | $1,676 | $194 | 13.1% |
| Florida | $1,852 | $370 | 25.0% |
| Georgia | $1,368 | -$114 | -7.7% |
| Hawaii | $1,062 | -$420 | -28.3% |
| Idaho | $1,002 | -$480 | -32.4% |
| Illinois | $1,102 | -$380 | -25.6% |
| Indiana | $1,118 | -$364 | -24.6% |
| Iowa | $1,000 | -$482 | -32.5% |
| Kansas | $1,406 | -$76 | -5.1% |
| Kentucky | $2,018 | $536 | 36.2% |
| Louisiana | $2,194 | $712 | 48.0% |
| Maine | $916 | -$566 | -38.2% |
| Maryland | $1,222 | -$260 | -17.5% |
| Massachusetts | $1,182 | -$300 | -20.2% |
| Michigan | $2,572 | $1,090 | 73.5% |
| Minnesota | $1,238 | -$244 | -16.5% |
| Mississippi | $1,774 | $292 | 19.7% |
| Missouri | $1,314 | -$168 | -11.3% |
| Montana | $1,592 | $110 | 7.4% |
| Nebraska | $1,168 | -$314 | -21.2% |
| Nevada | $1,776 | $294 | 19.8% |
| New Hampshire | $1,068 | -$414 | -27.9% |
| New Jersey | $1,656 | $174 | 11.7% |
| New Mexico | $1,312 | -$170 | -11.5% |
| New York | $1,560 | $78 | 5.3% |
| North Carolina | $854 | -$628 | -42.4% |
| North Dakota | $1,212 | -$270 | -18.2% |
| Ohio | $1,022 | -$460 | -31.0% |
| Oklahoma | $1,520 | $38 | 2.6% |
| Oregon | $1,356 | -$126 | -8.5% |
| Pennsylvania | $1,410 | -$72 | -4.9% |
| Rhode Island | $1,976 | $494 | 33.3% |
| South Carolina | $1,342 | -$140 | -9.4% |
| South Dakota | $1,250 | -$232 | -15.7% |
| Tennessee | $1,296 | -$186 | -12.6% |
| Texas | $1,784 | $302 | 20.4% |
| Utah | $1,094 | -$388 | -26.2% |
| Vermont | $1,014 | -$468 | -31.6% |
| Virginia | $886 | -$596 | -40.2% |
| Washington | $1,142 | -$340 | -22.9% |
| West Virginia | $1,358 | -$124 | -8.4% |
| Wisconsin | $1,024 | -$458 | -30.9% |
| Wyoming | $1,318 | -$164 | -11.1% |
With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Ridgeline RT 4WD | $1,396 | $116 |
| Honda Ridgeline RTS 4WD | $1,438 | $120 |
| Honda Ridgeline RTL 4WD | $1,482 | $124 |
| Honda Ridgeline RTL W/Navigation 4WD | $1,522 | $127 |
Rates assume 2024 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 |
|---|---|---|---|---|
| 2024 Honda Ridgeline | $320 | $542 | $440 | $1,482 |
| 2023 Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| 2022 Honda Ridgeline | $296 | $524 | $470 | $1,470 |
| 2021 Honda Ridgeline | $286 | $502 | $486 | $1,454 |
| 2020 Honda Ridgeline | $270 | $484 | $500 | $1,434 |
| 2019 Honda Ridgeline | $260 | $450 | $510 | $1,400 |
| 2018 Honda Ridgeline | $250 | $424 | $514 | $1,368 |
| 2017 Honda Ridgeline | $240 | $380 | $520 | $1,320 |
| 2016 Honda Ridgeline | $224 | $350 | $520 | $1,274 |
| 2014 Honda Ridgeline | $210 | $306 | $534 | $1,230 |
| 2013 Honda Ridgeline | $194 | $284 | $534 | $1,192 |
| 2012 Honda Ridgeline | $190 | $258 | $540 | $1,168 |
| 2011 Honda Ridgeline | $176 | $236 | $534 | $1,126 |
| 2010 Honda Ridgeline | $166 | $214 | $534 | $1,094 |
| 2008 Honda Ridgeline | $158 | $188 | $520 | $1,046 |
| 2007 Honda Ridgeline | $156 | $178 | $510 | $1,024 |
| 2006 Honda Ridgeline | $142 | $170 | $504 | $996 |
Rates are averaged for all Honda Ridgeline 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 Ridgeline Insurance
Saving money on Honda Ridgeline insurance not only requires being a good driver, but also having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a condensed summary of the primary concepts that were presented in the illustrations above.
- You may be able to save approximately $180 per year simply by quoting online in advance
- High-risk drivers with multiple at-fault accidents may pay on average $1,710 more annually than a safer driver
- Increasing deductibles could save as much as $575 each year
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $460 per month if full coverage is included
Honda Ridgeline pricing on car insurance can vary based on your age and driving record. The best way to save and find affordable Honda Ridgeline car insurance is to use rate comparison tools and find the best Honda Ridgeline insurance quotes for you.
Doing so will allow you to compare different model years, such as the 2017 Honda Ridgeline vs the 2019 model cost to own, or to compare different trim levels, such as 2009 versus 2011 Honda Ridgeline trim levels.
While rate comparison won’t help you find out the Honda Ridgeline depreciation or the Honda Ridgeline 5-year cost to own, it will help you find savings immediately. So if you are ready to start saving on Honda Ridgeline insurance maintenance costs, enter your ZIP code in our free tool below.
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What are the safety ratings of the Honda Ridgeline?
Is the Honda Ridgeline worth buying? If a car doesn’t have good safety ratings and features, it isn’t worth your time. So if you looking for a 2020 Honda Ridgeline for sale, check the safety rating first. Poor safety ratings and features not only mean you are less safe, but it also means higher insurance rates.
Luckily, the Honda Ridgeline has some great safety features, such as brake assist, traction control, lane departure warning, and lane-keeping assist. The Honda Ridgeline safety ratings are also great, as the Insurance Institute for Highway Safety (IIHS) gave the Honda Ridgeline a 2019 Top Safety Pick award.
Take a look at the Honda Ridgeline’s crash test ratings below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Acceptable
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The video below shows one of the IIHS’s crash tests on the Honda Ridgeline.
Honda Ridgeline Compared Against Other Vehicles in the Same Class
The Honda Ridgeline is a large pickup, which means it may have slightly higher liability insurance rates. Why? Larger vehicles are more likely to do significant damage to other vehicles in a crash.
Want to better understand how the Honda Ridgeline’s rates compare to other large pickups’ rates? View the large pickups below.
Ready to start saving on Honda Ridgeline insurance rates? Use our free rate comparison tool to find the best Honda Ridgeline rates in your area.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,524 |
| 20 | $3,400 |
| 30 | $1,542 |
| 40 | $1,482 |
| 50 | $1,352 |
| 60 | $1,326 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,858 |
| $250 | $1,684 |
| $500 | $1,482 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,482 |
| 50/100 | $1,610 |
| 100/300 | $1,720 |
| 250/500 | $2,006 |
| 100 CSL | $1,654 |
| 300 CSL | $1,896 |
| 500 CSL | $2,072 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,872 |
| 20 | $5,402 |
| 30 | $3,256 |
| 40 | $3,188 |
| 50 | $3,040 |
| 60 | $3,012 |
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 | $78 |
| Multi-vehicle | $76 |
| Homeowner | $22 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $104 |
| Total Discounts | $619 |
Discounts are estimated and may not be available from every company or in every state.
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