Honda Ridgeline Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 2, 2024
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.
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 for full coverage insurance. Comprehensive insurance costs on average $320, collision costs $542, and liability costs around $440. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $3,188 or more. Teen drivers receive the highest rates at $5,524 a year or more.
Average premium for full coverage: $1,482
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different Ridgeline trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $510 for the bare minimum liability coverage to a much higher rate of $3,188 for a high-risk insurance policy.
Price Range by Location
Where you live can have significant affects on insurance rates. Rural areas tend to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates how location helps determine car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of using 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 illustrates estimated Honda Ridgeline insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $863
- Using higher $1,000 deductibles will save around $198 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,482
- Choosing more expensive low deductibles for physical damage coverage costs an extra $376 every year
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,188 or more
- The cost to insure a teen driver with full coverage may cost $5,524 or more
Insurance rates for a Honda Ridgeline can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Ridgeline.
Choosing high deductibles could cut rates by as much as $580 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $396 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $5,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,400 extra per year, depending on your age. High-risk driver insurance can be as much as 43% to 128% more than average. View High Risk Driver Rates
Where you live has a huge impact on Honda Ridgeline insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,000 on average in Michigan, New York, 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 only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so the 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 Low Cost Honda Ridgeline Insurance
Saving money on car insurance requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest time comparing rates at least every other year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a review of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers who have several accidents or serious violations pay on average $1,710 more each year to insure a Honda Ridgeline
- It is possible to save as much as $180 per year simply by shopping early and online
- Increasing deductibles could save as much as $575 each year
- Policyholders who require increased liability limits will pay about $480 annually to increase from a minimum limit to a 250/500 level
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
