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: 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.

The average insurance rates for a Honda Ridgeline are $1,046 a year including full coverage. Comprehensive costs an estimated $158, collision costs $188, and liability insurance is estimated at $520. Buying just liability costs approximately $576 a year, with insurance for high-risk drivers costing around $2,244. Teen drivers cost the most to insure at $4,278 a year or more.

Average premium for full coverage: $1,046

Policy rates broken down by type of insurance:

Comprehensive $158
Collision $188
Liability $520

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Ridgeline models.

Price Range Variability

For the average driver, Honda Ridgeline insurance rates go from as low as $576 for a discount liability-only rate to the much higher price of $2,244 for a driver required to buy high-risk insurance.

Liability Only $576
Full Coverage $1,046
High Risk $2,244

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how location impacts insurance prices.

Rural Areas $785
Small Cities $1,098
Large Cities $1,412

The examples above highlight why everyone should get quotes for a targeted area 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.

Rates by State, City, and Model

The chart below breaks down estimated Honda Ridgeline insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $646
  • Choosing higher $1,000 deductibles can save approximately $80 every year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,046
  • Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,196
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $2,244 or more
  • Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,278 each year

View Chart as Image

Honda Ridgeline insurance cost comparison chart
Column chart showing full coverage Honda Ridgeline insurance rates range from $646 to $4,278

Insurance rates for a Honda Ridgeline also range considerably based on your risk profile, the model of your Ridgeline, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $4,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda Ridgeline insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,490 on average in Louisiana, New York, and Michigan.

Honda Ridgeline Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $946 -$100 -9.6%
Alaska $802 -$244 -23.3%
Arizona $870 -$176 -16.8%
Arkansas $1,046 -$0 0.0%
California $1,190 $144 13.8%
Colorado $998 -$48 -4.6%
Connecticut $1,072 $26 2.5%
Delaware $1,184 $138 13.2%
Florida $1,308 $262 25.0%
Georgia $966 -$80 -7.6%
Hawaii $750 -$296 -28.3%
Idaho $710 -$336 -32.1%
Illinois $778 -$268 -25.6%
Indiana $790 -$256 -24.5%
Iowa $706 -$340 -32.5%
Kansas $992 -$54 -5.2%
Kentucky $1,424 $378 36.1%
Louisiana $1,548 $502 48.0%
Maine $646 -$400 -38.2%
Maryland $860 -$186 -17.8%
Massachusetts $834 -$212 -20.3%
Michigan $1,814 $768 73.4%
Minnesota $876 -$170 -16.3%
Mississippi $1,252 $206 19.7%
Missouri $926 -$120 -11.5%
Montana $1,122 $76 7.3%
Nebraska $824 -$222 -21.2%
Nevada $1,254 $208 19.9%
New Hampshire $754 -$292 -27.9%
New Jersey $1,170 $124 11.9%
New Mexico $924 -$122 -11.7%
New York $1,102 $56 5.4%
North Carolina $604 -$442 -42.3%
North Dakota $858 -$188 -18.0%
Ohio $722 -$324 -31.0%
Oklahoma $1,072 $26 2.5%
Oregon $958 -$88 -8.4%
Pennsylvania $996 -$50 -4.8%
Rhode Island $1,396 $350 33.5%
South Carolina $948 -$98 -9.4%
South Dakota $882 -$164 -15.7%
Tennessee $912 -$134 -12.8%
Texas $1,258 $212 20.3%
Utah $772 -$274 -26.2%
Vermont $716 -$330 -31.5%
Virginia $626 -$420 -40.2%
Washington $806 -$240 -22.9%
West Virginia $958 -$88 -8.4%
Wisconsin $724 -$322 -30.8%
Wyoming $932 -$114 -10.9%

View Chart as Image

Honda Ridgeline insurance rates by U.S. city

Choosing high deductibles can save as much as $230 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,200 to $1,800 extra every year, depending on your age. Honda Ridgeline insurance for high-risk drivers ranges anywhere from 42% to 128% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, so the rates will be varied 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 $1,012 $84
Honda Ridgeline RTS 4WD $1,030 $86
Honda Ridgeline RTL 4WD $1,046 $87
Honda Ridgeline RTL W/Navigation 4WD $1,064 $89

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 $194 $284 $534 $1,192
2008 Honda Ridgeline $166 $214 $534 $1,094
2007 Honda Ridgeline $162 $192 $530 $1,064
2006 Honda Ridgeline $158 $188 $520 $1,046

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 Best Honda Ridgeline Insurance

Finding cheaper rates on Honda Ridgeline insurance takes being a low-risk driver, maintaining good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Spend time shopping around at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief recap of the data touched on above.

  • Drivers who want more liability coverage will pay about $570 per year to raise limits from a 30/60 limit to 250/500 limits
  • You may be able to save approximately $110 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save around $225 each year
  • Teen drivers are charged the highest rates, with premiums being up to $357 each month for full coverage

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 $4,278
20 $2,386
30 $1,056
40 $1,046
50 $962
60 $940

Full coverage, $500 deductibles

Rates by Deductible

Honda Ridgeline Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,196
$250 $1,128
$500 $1,046
$1,000 $966

Full coverage, driver age 40

Rates by Liability Limit

Honda Ridgeline Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,046
50/100 $1,168
100/300 $1,298
250/500 $1,636
100 CSL $1,220
300 CSL $1,506
500 CSL $1,714

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Ridgeline Insurance Rates for High Risk Drivers
Age Premium
16 $6,008
20 $3,798
30 $2,254
40 $2,244
50 $2,144
60 $2,122

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 $138

Potential Rate Discounts

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

Discount Savings
Multi-policy $52
Multi-vehicle $56
Homeowner $19
5-yr Accident Free $60
5-yr Claim Free $65
Paid in Full/EFT $35
Advance Quote $44
Online Quote $69
Total Discounts $400
Rate after discounts $646

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

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