Honda Ridgeline Insurance Rates
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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.
U.S. average insurance rates for a Honda Ridgeline are $1,482 a year for full coverage insurance. Comprehensive insurance costs on average $320, collision costs $542, and liability coverage is estimated at $440. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing $3,188 or more. 16-year-old drivers pay the highest rates at $5,524 a year or more.
Average premium for full coverage: $1,482
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Ridgeline models.
Price Range from Low to High
For a driver around age 40, Honda Ridgeline insurance prices go from as low as $510 for just liability insurance to the much higher price of $3,188 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. Rural areas have a lower frequency of physical damage claims than congested cities.
The example below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above illustrate why everyone should get quotes based on a specific location and risk profile, 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.
More Rate Details
The chart below illustrates estimated Honda Ridgeline insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $863
- Choosing higher $1,000 deductibles can save around $198 each year
- The average rate for the average middle-age driver with $500 deductibles is $1,482
- Buying pricier low deductibles for comp and collision coverage will cost an extra $376 each year
- Drivers with multiple tickets or accidents could pay upwards of $3,188 or more
- The price for full coverage for a teenage driver for full coverage may cost $5,524 each year
Car insurance prices for a Honda Ridgeline are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may only pay around $1,400 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $5,500 a year. View Rates by Age
The state you live in plays a big part in determining prices for Honda Ridgeline insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or at least $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% |
Opting for high physical damage deductibles can save as much as $580 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $396 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,400 extra each year, depending on your age. Honda Ridgeline insurance for high-risk drivers ranges around 43% to 128% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different from one company to the next.
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 Find the Best Cheap Honda Ridgeline Insurance
Getting lower rates on auto insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by requesting quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.
The points below are a quick review of the information covered above.
- It is possible to save as much as $180 per year simply by quoting online well ahead of the renewal date
- Drivers under the age of 20 are expensive to insure, as much as $460 a month if full coverage is included
- Increasing physical damage deductibles can save around $575 each year
- Drivers with a DUI or reckless driving violation pay an average of $1,710 more each year to insure a Honda Ridgeline
- Consumers who require increased liability limits will pay around $480 annually to raise limits from a low limit to 250/500 limits
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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