Honda Ridgeline Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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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.

Estimated insurance rates for a Honda Ridgeline are $1,024 a year for full coverage. Comprehensive costs approximately $156 a year, collision costs $178, and liability insurance is $510. A liability-only policy costs around $568 a year, with high-risk insurance costing around $2,192. 16-year-old drivers pay the most at $4,194 a year or more.

Average premium for full coverage: $1,024

Premium estimates by type of coverage:

Comprehensive $156
Collision $178
Liability $510

Prices include $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Ridgeline trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Honda Ridgeline go from the low end price of $568 for the bare minimum liability coverage to a high of $2,192 for a policy for a high-risk driver.

Liability Only $568
Full Coverage $1,024
High Risk $2,192

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than congested cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $768
Small Cities $1,075
Large Cities $1,382

These rate differences show why it is important to compare rates quotes using their specific location, rather than relying on 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 Information

The chart below shows estimated Honda Ridgeline insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $633
  • Raising to $1,000 deductibles will save $948 a year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,024
  • Buying low $100 deductibles bumps up the cost to $1,168
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,192 or more
  • An auto insurance policy that insures a teen driver can cost $4,194

View Chart as Image

Honda Ridgeline insurance cost comparison chart
Column chart showing full coverage Honda Ridgeline insurance rates range from $633 to $4,194

Auto insurance prices for a Honda Ridgeline also have a wide range based on the trim level of your Ridgeline, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,200 to $1,700 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 41% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,100 a year. View Rates by Age

Where you choose to live also has a big influence on Honda Ridgeline insurance rates. A middle-age driver might find prices as low as $680 a year in states like Iowa, Maine, and Idaho, or at least $1,460 on average in New York, Louisiana, and Michigan.

Honda Ridgeline Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $924 -$100 -9.8%
Alaska $786 -$238 -23.2%
Arizona $852 -$172 -16.8%
Arkansas $1,024 -$0 0.0%
California $1,168 $144 14.1%
Colorado $974 -$50 -4.9%
Connecticut $1,052 $28 2.7%
Delaware $1,158 $134 13.1%
Florida $1,282 $258 25.2%
Georgia $946 -$78 -7.6%
Hawaii $734 -$290 -28.3%
Idaho $696 -$328 -32.0%
Illinois $762 -$262 -25.6%
Indiana $772 -$252 -24.6%
Iowa $690 -$334 -32.6%
Kansas $972 -$52 -5.1%
Kentucky $1,396 $372 36.3%
Louisiana $1,514 $490 47.9%
Maine $632 -$392 -38.3%
Maryland $844 -$180 -17.6%
Massachusetts $816 -$208 -20.3%
Michigan $1,776 $752 73.4%
Minnesota $856 -$168 -16.4%
Mississippi $1,226 $202 19.7%
Missouri $906 -$118 -11.5%
Montana $1,100 $76 7.4%
Nebraska $806 -$218 -21.3%
Nevada $1,228 $204 19.9%
New Hampshire $738 -$286 -27.9%
New Jersey $1,146 $122 11.9%
New Mexico $906 -$118 -11.5%
New York $1,078 $54 5.3%
North Carolina $590 -$434 -42.4%
North Dakota $840 -$184 -18.0%
Ohio $708 -$316 -30.9%
Oklahoma $1,052 $28 2.7%
Oregon $938 -$86 -8.4%
Pennsylvania $974 -$50 -4.9%
Rhode Island $1,366 $342 33.4%
South Carolina $930 -$94 -9.2%
South Dakota $864 -$160 -15.6%
Tennessee $894 -$130 -12.7%
Texas $1,234 $210 20.5%
Utah $758 -$266 -26.0%
Vermont $700 -$324 -31.6%
Virginia $614 -$410 -40.0%
Washington $790 -$234 -22.9%
West Virginia $938 -$86 -8.4%
Wisconsin $708 -$316 -30.9%
Wyoming $912 -$112 -10.9%

View Chart as Image

Honda Ridgeline insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $220 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different.

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 $994 $83
Honda Ridgeline RTS 4WD $1,008 $84
Honda Ridgeline RTL 4WD $1,024 $85
Honda Ridgeline RTL W/Navigation 4WD $1,040 $87

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 $190 $258 $540 $1,168
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 the Right Honda Ridgeline Insurance

Finding better rates on Honda Ridgeline insurance consists of having a good driving record, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Comparison shop every year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The next list is a quick rundown of the coverage data raised in the charts and tables above.

  • Drivers can save around $110 per year simply by quoting early and online
  • Increasing policy deductibles can save approximately $225 each year
  • Drivers age 20 and younger have the highest car insurance prices, as much as $350 per month if the policy includes full coverage
  • High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,170 more per 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.

Rates by Driver Age

Honda Ridgeline Insurance Rates by Driver Age
Driver Age Premium
16 $4,194
20 $2,336
30 $1,036
40 $1,024
50 $944
60 $922

Full coverage, $500 deductibles

Rates by Deductible

Honda Ridgeline Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,168
$250 $1,104
$500 $1,024
$1,000 $948

Full coverage, driver age 40

Rates by Liability Limit

Honda Ridgeline Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,024
50/100 $1,142
100/300 $1,270
250/500 $1,601
100 CSL $1,193
300 CSL $1,474
500 CSL $1,678

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Ridgeline Insurance Rates for High Risk Drivers
Age Premium
16 $5,882
20 $3,712
30 $2,204
40 $2,192
50 $2,098
60 $2,076

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 $134

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $55
Homeowner $19
5-yr Accident Free $58
5-yr Claim Free $63
Paid in Full/EFT $34
Advance Quote $43
Online Quote $68
Total Discounts $391
Rate after discounts $633

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

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