Honda Ridgeline Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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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 $1,064 a year for full coverage. Comprehensive costs on average $162 a year, collision costs $192, and liability insurance costs $530. A liability-only policy costs as little as $584 a year, with high-risk insurance costing around $2,280. Teen drivers receive the highest rates at $4,346 a year or more.

Average premium for full coverage: $1,064

Rate estimates by individual coverage type:

Comprehensive $162
Collision $192
Liability $530

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Ridgeline trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $584 for only liability insurance to a high of $2,280 for a high risk driver.

Liability Only $584
Full Coverage $1,064
High Risk $2,280

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $798
Small Cities $1,117
Large Cities $1,436

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

Insurance Rate Analysis

The chart below shows estimated Honda Ridgeline insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $655
  • Drivers who choose higher $1,000 deductibles will pay around $982 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,064
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,214
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,280 or more
  • The cost for full coverage for a teen driver may cost $4,346 a year

View Chart as Image

Honda Ridgeline insurance cost comparison chart
Column chart showing full coverage Honda Ridgeline insurance rates range from $655 to $4,346

for a Honda Ridgeline can also vary considerably based on your driver profile, the trim level of your Ridgeline, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,300 a year. View Rates by Age

Where you live makes a big difference in Honda Ridgeline insurance rates. A 40-year-old driver could pay as low as $700 a year in states like Idaho, Maine, and Iowa, or as much as $1,520 on average in Michigan, Louisiana, and New York.

Honda Ridgeline Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $960 -$104 -9.8%
Alaska $816 -$248 -23.3%
Arizona $884 -$180 -16.9%
Arkansas $1,064 -$0 0.0%
California $1,210 $146 13.7%
Colorado $1,014 -$50 -4.7%
Connecticut $1,092 $28 2.6%
Delaware $1,204 $140 13.2%
Florida $1,330 $266 25.0%
Georgia $982 -$82 -7.7%
Hawaii $762 -$302 -28.4%
Idaho $720 -$344 -32.3%
Illinois $790 -$274 -25.8%
Indiana $802 -$262 -24.6%
Iowa $716 -$348 -32.7%
Kansas $1,008 -$56 -5.3%
Kentucky $1,448 $384 36.1%
Louisiana $1,572 $508 47.7%
Maine $656 -$408 -38.3%
Maryland $876 -$188 -17.7%
Massachusetts $848 -$216 -20.3%
Michigan $1,844 $780 73.3%
Minnesota $888 -$176 -16.5%
Mississippi $1,274 $210 19.7%
Missouri $942 -$122 -11.5%
Montana $1,142 $78 7.3%
Nebraska $838 -$226 -21.2%
Nevada $1,276 $212 19.9%
New Hampshire $766 -$298 -28.0%
New Jersey $1,188 $124 11.7%
New Mexico $940 -$124 -11.7%
New York $1,120 $56 5.3%
North Carolina $610 -$454 -42.7%
North Dakota $872 -$192 -18.0%
Ohio $734 -$330 -31.0%
Oklahoma $1,090 $26 2.4%
Oregon $974 -$90 -8.5%
Pennsylvania $1,014 -$50 -4.7%
Rhode Island $1,416 $352 33.1%
South Carolina $964 -$100 -9.4%
South Dakota $896 -$168 -15.8%
Tennessee $930 -$134 -12.6%
Texas $1,280 $216 20.3%
Utah $786 -$278 -26.1%
Vermont $728 -$336 -31.6%
Virginia $636 -$428 -40.2%
Washington $818 -$246 -23.1%
West Virginia $974 -$90 -8.5%
Wisconsin $734 -$330 -31.0%
Wyoming $946 -$118 -11.1%

View Chart as Image

Honda Ridgeline insurance rates by U.S. city

Choosing high deductibles could save up to $240 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $477 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,800 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 136% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Honda Ridgeline Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Ridgeline RT 4WD $1,028 $86
Honda Ridgeline RTS 4WD $1,046 $87
Honda Ridgeline RTL 4WD $1,064 $89
Honda Ridgeline RTL W/Navigation 4WD $1,080 $90

Rates assume 2006 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.

Honda Ridgeline Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Honda Ridgeline $210 $306 $534 $1,230
2008 Honda Ridgeline $176 $236 $534 $1,126
2007 Honda Ridgeline $166 $214 $534 $1,094
2006 Honda Ridgeline $162 $192 $530 $1,064

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 Honda Ridgeline insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $225 each year
  • Drivers can save as much as $120 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $580 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $362 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,220 more each year for 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.

Rates by Driver Age

Honda Ridgeline Insurance Rates by Driver Age
Driver Age Premium
16 $4,346
20 $2,426
30 $1,074
40 $1,064
50 $978
60 $958

Full coverage, $500 deductibles

Rates by Deductible

Honda Ridgeline Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,214
$250 $1,146
$500 $1,064
$1,000 $982

Full coverage, driver age 40

Rates by Liability Limit

Honda Ridgeline Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,064
50/100 $1,186
100/300 $1,319
250/500 $1,663
100 CSL $1,239
300 CSL $1,531
500 CSL $1,743

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Ridgeline Insurance Rates for High Risk Drivers
Age Premium
16 $6,104
20 $3,862
30 $2,292
40 $2,280
50 $2,182
60 $2,160

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.

SR-22 Surcharge $141

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $53
Multi-vehicle $57
Homeowner $19
5-yr Accident Free $62
5-yr Claim Free $66
Paid in Full/EFT $36
Advance Quote $45
Online Quote $71
Total Discounts $409
Rate after discounts $655

Discounts are estimated and may not be available from every company or in every state.

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