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.
Average insurance rates for a Honda Ridgeline are $1,498 a year including full coverage. Comprehensive insurance costs on average $336 a year, collision costs $562, and liability is estimated at $420. A liability-only policy costs approximately $494 a year, with high-risk insurance costing $3,220 or more. Teen drivers receive the highest rates at $5,540 a year or more.
Average premium for full coverage: $1,498
Rate estimates by individual coverage type:
Price estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Ridgeline trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as low as $494 for minimum levels of liability insurance to a high of $3,220 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These examples highlight why it is important to get quotes based on a specific location and risk profile, 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 Details
The chart below breaks down estimated Honda Ridgeline insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $872
- Choosing higher $1,000 deductibles can save around $1,294 every year
- The average rate for a 40-year-old driver with $500 deductibles is $1,498
- Choosing low $100 deductibles for comp and collision coverage will cost an extra $396 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,220 or more
- The cost for full coverage for a teen driver may cost $5,540 each year
Insurance rates for a Honda Ridgeline can also vary considerably based on your driver profile, the model of your Ridgeline, and policy deductibles and limits.
Older drivers with a clean driving record and high deductibles may pay as little as $1,400 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $5,500 a year. View Rates by Age
Where you live plays a big part in determining prices for Honda Ridgeline insurance prices. A good driver about age 40 could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,140 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,352 | -$146 | -9.7% |
| Alaska | $1,150 | -$348 | -23.2% |
| Arizona | $1,246 | -$252 | -16.8% |
| Arkansas | $1,498 | -$0 | 0.0% |
| California | $1,708 | $210 | 14.0% |
| Colorado | $1,430 | -$68 | -4.5% |
| Connecticut | $1,538 | $40 | 2.7% |
| Delaware | $1,696 | $198 | 13.2% |
| Florida | $1,874 | $376 | 25.1% |
| Georgia | $1,384 | -$114 | -7.6% |
| Hawaii | $1,074 | -$424 | -28.3% |
| Idaho | $1,018 | -$480 | -32.0% |
| Illinois | $1,116 | -$382 | -25.5% |
| Indiana | $1,130 | -$368 | -24.6% |
| Iowa | $1,010 | -$488 | -32.6% |
| Kansas | $1,422 | -$76 | -5.1% |
| Kentucky | $2,044 | $546 | 36.4% |
| Louisiana | $2,218 | $720 | 48.1% |
| Maine | $926 | -$572 | -38.2% |
| Maryland | $1,236 | -$262 | -17.5% |
| Massachusetts | $1,196 | -$302 | -20.2% |
| Michigan | $2,600 | $1,102 | 73.6% |
| Minnesota | $1,254 | -$244 | -16.3% |
| Mississippi | $1,796 | $298 | 19.9% |
| Missouri | $1,330 | -$168 | -11.2% |
| Montana | $1,608 | $110 | 7.3% |
| Nebraska | $1,182 | -$316 | -21.1% |
| Nevada | $1,796 | $298 | 19.9% |
| New Hampshire | $1,082 | -$416 | -27.8% |
| New Jersey | $1,674 | $176 | 11.7% |
| New Mexico | $1,324 | -$174 | -11.6% |
| New York | $1,576 | $78 | 5.2% |
| North Carolina | $862 | -$636 | -42.5% |
| North Dakota | $1,226 | -$272 | -18.2% |
| Ohio | $1,034 | -$464 | -31.0% |
| Oklahoma | $1,538 | $40 | 2.7% |
| Oregon | $1,374 | -$124 | -8.3% |
| Pennsylvania | $1,428 | -$70 | -4.7% |
| Rhode Island | $2,000 | $502 | 33.5% |
| South Carolina | $1,360 | -$138 | -9.2% |
| South Dakota | $1,264 | -$234 | -15.6% |
| Tennessee | $1,310 | -$188 | -12.6% |
| Texas | $1,804 | $306 | 20.4% |
| Utah | $1,108 | -$390 | -26.0% |
| Vermont | $1,026 | -$472 | -31.5% |
| Virginia | $898 | -$600 | -40.1% |
| Washington | $1,154 | -$344 | -23.0% |
| West Virginia | $1,374 | -$124 | -8.3% |
| Wisconsin | $1,038 | -$460 | -30.7% |
| Wyoming | $1,334 | -$164 | -10.9% |
Choosing high deductibles can save as much as $600 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $378 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 134% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates can be significantly 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 | $1,408 | $117 |
| Honda Ridgeline RTS 4WD | $1,454 | $121 |
| Honda Ridgeline RTL 4WD | $1,498 | $125 |
| Honda Ridgeline RTL W/Navigation 4WD | $1,542 | $129 |
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 | $336 | $562 | $420 | $1,498 |
| 2023 Honda Ridgeline | $320 | $542 | $440 | $1,482 |
| 2022 Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| 2021 Honda Ridgeline | $296 | $524 | $470 | $1,470 |
| 2020 Honda Ridgeline | $286 | $502 | $486 | $1,454 |
| 2019 Honda Ridgeline | $270 | $484 | $500 | $1,434 |
| 2018 Honda Ridgeline | $260 | $450 | $510 | $1,400 |
| 2017 Honda Ridgeline | $250 | $424 | $514 | $1,368 |
| 2016 Honda Ridgeline | $240 | $380 | $520 | $1,320 |
| 2014 Honda Ridgeline | $216 | $328 | $524 | $1,248 |
| 2013 Honda Ridgeline | $210 | $306 | $534 | $1,230 |
| 2012 Honda Ridgeline | $194 | $284 | $534 | $1,192 |
| 2011 Honda Ridgeline | $190 | $258 | $540 | $1,168 |
| 2010 Honda Ridgeline | $176 | $236 | $534 | $1,126 |
| 2008 Honda Ridgeline | $162 | $192 | $530 | $1,064 |
| 2007 Honda Ridgeline | $158 | $188 | $520 | $1,046 |
| 2006 Honda Ridgeline | $156 | $178 | $510 | $1,024 |
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
Saving money on car insurance takes having a good driving record, maintaining good credit, not filing small claims, and bundling your home and auto policies. Set aside time to compare rates once a year by getting price quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The next list is a condensed summary of the data that was covered above.
- You may be able to save as much as $180 per year simply by quoting early and online
- Policyholders who require increased levels of liability coverage will pay about $460 per year to raise limits from a minimum limit to 250/500 limits
- Drivers age 20 and younger pay the highest rates, as much as $462 per month for full coverage
- Higher risk drivers with multiple at-fault accidents may pay on average $1,720 more each year to buy Honda Ridgeline insurance
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 | $5,540 |
| 20 | $3,436 |
| 30 | $1,562 |
| 40 | $1,498 |
| 50 | $1,368 |
| 60 | $1,340 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,894 |
| $250 | $1,710 |
| $500 | $1,498 |
| $1,000 | $1,294 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,498 |
| 50/100 | $1,626 |
| 100/300 | $1,731 |
| 250/500 | $2,004 |
| 100 CSL | $1,668 |
| 300 CSL | $1,899 |
| 500 CSL | $2,067 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,898 |
| 20 | $5,454 |
| 30 | $3,292 |
| 40 | $3,220 |
| 50 | $3,070 |
| 60 | $3,044 |
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 | $79 |
| Multi-vehicle | $76 |
| Homeowner | $22 |
| 5-yr Accident Free | $108 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $68 |
| Advance Quote | $73 |
| Online Quote | $105 |
| Total Discounts | $626 |
Discounts are estimated and may not be available from every company or in every state.
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