Honda Ridgeline Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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.
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,196 |
| $250 | $1,128 |
| $500 | $1,046 |
| $1,000 | $966 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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