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.
The average insurance rates for a Honda Ridgeline are $1,472 a year for full coverage. Comprehensive costs on average $306, collision costs $536, and liability costs $450. Liability-only insurance costs as little as $518 a year, with high-risk driver insurance costing around $3,180. Teens cost the most to insure at $5,536 a year or more.
Average premium for full coverage: $1,472
Policy rates by type of insurance:
Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Ridgeline trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Honda Ridgeline insurance rates go from as low as $518 for your basic liability-only policy to a much higher rate of $3,180 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects car insurance rates.
The examples above show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.
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 Information
The chart below shows estimated Honda Ridgeline insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $854
- Drivers who choose higher $1,000 deductibles will pay around $190 a year
- The average rate for a good driver age 40 with $500 deductibles is $1,472
- Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,844
- Drivers with serious driving violations could pay upwards of $3,180 or more
- Policy cost for full coverage for a 16-year-old driver with full coverage may cost $5,536 a year
Auto insurance rates for a Honda Ridgeline also range considerably based on your risk profile, the trim level of your Ridgeline, and policy deductibles and limits.
An older driver with a good driving record and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $5,500 a year. View Rates by Age
Your home state makes a big difference in Honda Ridgeline insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,100 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,332 | -$140 | -9.5% |
| Alaska | $1,132 | -$340 | -23.1% |
| Arizona | $1,224 | -$248 | -16.8% |
| Arkansas | $1,472 | -$0 | 0.0% |
| California | $1,680 | $208 | 14.1% |
| Colorado | $1,404 | -$68 | -4.6% |
| Connecticut | $1,514 | $42 | 2.9% |
| Delaware | $1,668 | $196 | 13.3% |
| Florida | $1,842 | $370 | 25.1% |
| Georgia | $1,362 | -$110 | -7.5% |
| Hawaii | $1,058 | -$414 | -28.1% |
| Idaho | $1,000 | -$472 | -32.1% |
| Illinois | $1,096 | -$376 | -25.5% |
| Indiana | $1,112 | -$360 | -24.5% |
| Iowa | $994 | -$478 | -32.5% |
| Kansas | $1,400 | -$72 | -4.9% |
| Kentucky | $2,008 | $536 | 36.4% |
| Louisiana | $2,180 | $708 | 48.1% |
| Maine | $912 | -$560 | -38.0% |
| Maryland | $1,216 | -$256 | -17.4% |
| Massachusetts | $1,176 | -$296 | -20.1% |
| Michigan | $2,556 | $1,084 | 73.6% |
| Minnesota | $1,234 | -$238 | -16.2% |
| Mississippi | $1,766 | $294 | 20.0% |
| Missouri | $1,306 | -$166 | -11.3% |
| Montana | $1,582 | $110 | 7.5% |
| Nebraska | $1,160 | -$312 | -21.2% |
| Nevada | $1,768 | $296 | 20.1% |
| New Hampshire | $1,062 | -$410 | -27.9% |
| New Jersey | $1,648 | $176 | 12.0% |
| New Mexico | $1,304 | -$168 | -11.4% |
| New York | $1,550 | $78 | 5.3% |
| North Carolina | $848 | -$624 | -42.4% |
| North Dakota | $1,208 | -$264 | -17.9% |
| Ohio | $1,016 | -$456 | -31.0% |
| Oklahoma | $1,510 | $38 | 2.6% |
| Oregon | $1,350 | -$122 | -8.3% |
| Pennsylvania | $1,404 | -$68 | -4.6% |
| Rhode Island | $1,964 | $492 | 33.4% |
| South Carolina | $1,336 | -$136 | -9.2% |
| South Dakota | $1,242 | -$230 | -15.6% |
| Tennessee | $1,288 | -$184 | -12.5% |
| Texas | $1,774 | $302 | 20.5% |
| Utah | $1,090 | -$382 | -26.0% |
| Vermont | $1,008 | -$464 | -31.5% |
| Virginia | $882 | -$590 | -40.1% |
| Washington | $1,136 | -$336 | -22.8% |
| West Virginia | $1,352 | -$120 | -8.2% |
| Wisconsin | $1,020 | -$452 | -30.7% |
| Wyoming | $1,314 | -$158 | -10.7% |
Choosing higher comprehensive and collision insurance deductibles could save up to $570 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $405 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,700 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance can cost from 43% to 129% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from multiple companies. Every company calculates rates differently, and quoted rates will be varied 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 | $1,390 | $116 |
| Honda Ridgeline RTS 4WD | $1,430 | $119 |
| Honda Ridgeline RTL 4WD | $1,472 | $123 |
| Honda Ridgeline RTL W/Navigation 4WD | $1,516 | $126 |
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 | $306 | $536 | $450 | $1,472 |
| 2023 Honda Ridgeline | $296 | $524 | $470 | $1,470 |
| 2022 Honda Ridgeline | $286 | $502 | $486 | $1,454 |
| 2021 Honda Ridgeline | $270 | $484 | $500 | $1,434 |
| 2020 Honda Ridgeline | $260 | $450 | $510 | $1,400 |
| 2019 Honda Ridgeline | $250 | $424 | $514 | $1,368 |
| 2018 Honda Ridgeline | $240 | $380 | $520 | $1,320 |
| 2017 Honda Ridgeline | $224 | $350 | $520 | $1,274 |
| 2016 Honda Ridgeline | $216 | $328 | $524 | $1,248 |
| 2014 Honda Ridgeline | $194 | $284 | $534 | $1,192 |
| 2013 Honda Ridgeline | $190 | $258 | $540 | $1,168 |
| 2012 Honda Ridgeline | $176 | $236 | $534 | $1,126 |
| 2011 Honda Ridgeline | $166 | $214 | $534 | $1,094 |
| 2010 Honda Ridgeline | $162 | $192 | $530 | $1,064 |
| 2008 Honda Ridgeline | $156 | $178 | $510 | $1,024 |
| 2007 Honda Ridgeline | $142 | $170 | $504 | $996 |
| 2006 Honda Ridgeline | $138 | $162 | $500 | $980 |
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 Honda Ridgeline Insurance
Finding cheaper rates on insurance for a Honda Ridgeline not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at least once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
The following list is a brief recap of the primary concepts that were raised in the charts and tables above.
- Drivers can save as much as $180 per year simply by shopping early and online
- Drivers considered higher risk who tend to receive serious violations will pay on average $1,710 more each year than a safer driver
- Increasing comprehensive and collision deductibles can save around $550 each year
- Drivers age 16 to 20 are charged the highest rates, costing up to $461 each month if they have full coverage
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 | $5,536 |
| 20 | $3,394 |
| 30 | $1,534 |
| 40 | $1,472 |
| 50 | $1,346 |
| 60 | $1,322 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,844 |
| $250 | $1,674 |
| $500 | $1,472 |
| $1,000 | $1,282 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,472 |
| 50/100 | $1,606 |
| 100/300 | $1,719 |
| 250/500 | $2,011 |
| 100 CSL | $1,651 |
| 300 CSL | $1,899 |
| 500 CSL | $2,079 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,882 |
| 20 | $5,394 |
| 30 | $3,244 |
| 40 | $3,180 |
| 50 | $3,034 |
| 60 | $3,006 |
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 | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $103 |
| Total Discounts | $618 |
Discounts are estimated and may not be available from every company or in every state.
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