Honda Ridgeline Insurance Rates
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Michelle Robbins
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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 each year, collision insurance costs $536, and liability costs $450. Liability-only coverage costs as little as $518 a year, and high-risk coverage costs around $3,180. 16-year-old drivers cost the most to insure at up to $5,536 a year.
Average premium for full coverage: $1,472
Policy rates by type of insurance:
Price estimates include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Ridgeline models.
Price Range Variability
For an average driver, Honda Ridgeline insurance rates range from as low as $518 for minimum levels of liability insurance to a high rate of $3,180 for high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The graphic below illustrates the effect of geographic area on car insurance rates.
The examples above show why all drivers should compare rates based on a specific location and risk profile, instead of 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.
Additional Rate Details
The chart below shows average Honda Ridgeline insurance rates for different risk profiles and scenarios.
- The best full coverage rate 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
- Buying low deductibles for comprehensive and collision insurance will increase the cost to $1,844
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,180
- Policy cost for full coverage for a teen driver may cost $5,536 a year
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.
More mature drivers with no violations or accidents and high deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared 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 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% |
Opting for high physical damage deductibles could save up to $570 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $405 more each 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 additional every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates
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 Cheaper Honda Ridgeline Insurance
Finding cheaper rates on car insurance not only requires having a good driving record, but also having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to compare rates every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
The next list is a condensed summary of the material that was covered in the above illustrations.
- Policyholders who require increased levels of liability coverage will pay around $500 each year to go from a 30/60 limit to 250/500 limits
- Drivers age 20 and younger pay higher rates, costing up to $461 each month including comprehensive and collision insurance
- Higher risk drivers with multiple at-fault accidents will pay on average $1,710 more each year to buy Honda Ridgeline insurance
- Increasing comprehensive and collision deductibles can save around $550 each year
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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