Honda Ridgeline Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 $1,472 a year with full coverage. Comprehensive costs approximately $306, collision costs $536, and liability insurance is estimated at $450. Liability-only coverage costs approximately $518 a year, with high-risk coverage costing around $3,180. Teens pay the highest rates at $5,536 a year or more.
Average premium for full coverage: $1,472
Price estimates by individual coverage:
Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Ridgeline trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Honda Ridgeline insurance prices go from as low as $518 for just the minimum liability insurance to a much higher rate of $3,180 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than relying 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.
Additional Rate Analysis
The chart below details estimated Honda Ridgeline insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $854
- Choosing higher $1,000 deductibles can save $190 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,472
- Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,844
- High-risk insureds with serious driving violations could pay around $3,180 or more
- The price for full coverage for a teen driver with full coverage can cost $5,536 each year
Auto insurance prices for a Honda Ridgeline are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
An older driver with a good driving record and high deductibles could pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark 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 $1,060 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,990 on average in New York, Michigan, and Florida.
| 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 can save as much as $570 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $405 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 in extra premium each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, and quoted prices 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 | $1,390 | $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 Low Cost Honda Ridgeline Insurance
Getting lower rates on Honda Ridgeline insurance takes having a decent driving record, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop every other policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The following items are a review of the ideas that were touched on in the above illustrations.
- 16 to 18-year-old drivers have the highest car insurance prices, costing up to $461 a month if they have full coverage
- High-risk drivers who have several accidents or serious violations pay on average $1,710 more per year than a driver with a clean driving record
- Increasing physical damage deductibles can save around $550 each year
- You may be able to save around $180 per year simply by shopping early and online
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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