Honda Ridgeline Insurance Rates
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Michelle Robbins
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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.
The average insurance rates for a Honda Ridgeline are $1,472 a year with full coverage. Comprehensive insurance costs approximately $306 each year, collision costs $536, and liability is $450. A liability-only policy costs around $518 a year, with high-risk insurance costing $3,180 or more. Teens cost the most to insure at $5,536 a year or more.
Average premium for full coverage: $1,472
Policy rates by type of insurance:
Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Ridgeline models.
Price Range Variability
For an average driver, Honda Ridgeline insurance rates go from the low end price of $518 for a discount liability-only rate to a high rate of $3,180 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates the effect of geographic area on auto insurance prices.
The examples above demonstrate why all drivers should compare rates quotes using their specific location, instead of making a decision based on averaged prices.
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 details estimated Honda Ridgeline insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $854
- Raising to $1,000 deductibles will save $190 annually
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,472
- Selecting low deductibles will cost an additional $372 annually
- Drivers with serious driving violations could pay around $3,180 or more
- Policy cost that insures a 16-year-old driver can cost $5,536
Car insurance rates for a Honda Ridgeline also range considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 129% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,500 a year. View Rates by Age
Your home state also has a big influence on Honda Ridgeline insurance prices. A middle-age driver might find rates as low as $1,060 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,990 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,332 | -$140 | -9.5% |
| Alaska | $1,132 | -$340 | -23.1% |
| Arizona | $1,224 | -$248 | -16.8% |
| Arkansas | $1,472 | -$0 | 0.0% |
| California | $1,680 | $208 | 14.1% |
| Colorado | $1,404 | -$68 | -4.6% |
| Connecticut | $1,514 | $42 | 2.9% |
| Delaware | $1,668 | $196 | 13.3% |
| Florida | $1,842 | $370 | 25.1% |
| Georgia | $1,362 | -$110 | -7.5% |
| Hawaii | $1,058 | -$414 | -28.1% |
| Idaho | $1,000 | -$472 | -32.1% |
| Illinois | $1,096 | -$376 | -25.5% |
| Indiana | $1,112 | -$360 | -24.5% |
| Iowa | $994 | -$478 | -32.5% |
| Kansas | $1,400 | -$72 | -4.9% |
| Kentucky | $2,008 | $536 | 36.4% |
| Louisiana | $2,180 | $708 | 48.1% |
| Maine | $912 | -$560 | -38.0% |
| Maryland | $1,216 | -$256 | -17.4% |
| Massachusetts | $1,176 | -$296 | -20.1% |
| Michigan | $2,556 | $1,084 | 73.6% |
| Minnesota | $1,234 | -$238 | -16.2% |
| Mississippi | $1,766 | $294 | 20.0% |
| Missouri | $1,306 | -$166 | -11.3% |
| Montana | $1,582 | $110 | 7.5% |
| Nebraska | $1,160 | -$312 | -21.2% |
| Nevada | $1,768 | $296 | 20.1% |
| New Hampshire | $1,062 | -$410 | -27.9% |
| New Jersey | $1,648 | $176 | 12.0% |
| New Mexico | $1,304 | -$168 | -11.4% |
| New York | $1,550 | $78 | 5.3% |
| North Carolina | $848 | -$624 | -42.4% |
| North Dakota | $1,208 | -$264 | -17.9% |
| Ohio | $1,016 | -$456 | -31.0% |
| Oklahoma | $1,510 | $38 | 2.6% |
| Oregon | $1,350 | -$122 | -8.3% |
| Pennsylvania | $1,404 | -$68 | -4.6% |
| Rhode Island | $1,964 | $492 | 33.4% |
| South Carolina | $1,336 | -$136 | -9.2% |
| South Dakota | $1,242 | -$230 | -15.6% |
| Tennessee | $1,288 | -$184 | -12.5% |
| Texas | $1,774 | $302 | 20.5% |
| Utah | $1,090 | -$382 | -26.0% |
| Vermont | $1,008 | -$464 | -31.5% |
| Virginia | $882 | -$590 | -40.1% |
| Washington | $1,136 | -$336 | -22.8% |
| West Virginia | $1,352 | -$120 | -8.2% |
| Wisconsin | $1,020 | -$452 | -30.7% |
| Wyoming | $1,314 | -$158 | -10.7% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $570 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $405 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, so rate quotes will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Ridgeline RT 4WD | $1,390 | $116 |
| Honda Ridgeline RTS 4WD | $1,430 | $119 |
| Honda Ridgeline RTL 4WD | $1,472 | $123 |
| Honda Ridgeline RTL W/Navigation 4WD | $1,516 | $126 |
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 | $306 | $536 | $450 | $1,472 |
| 2023 Honda Ridgeline | $296 | $524 | $470 | $1,470 |
| 2022 Honda Ridgeline | $286 | $502 | $486 | $1,454 |
| 2021 Honda Ridgeline | $270 | $484 | $500 | $1,434 |
| 2020 Honda Ridgeline | $260 | $450 | $510 | $1,400 |
| 2019 Honda Ridgeline | $250 | $424 | $514 | $1,368 |
| 2018 Honda Ridgeline | $240 | $380 | $520 | $1,320 |
| 2017 Honda Ridgeline | $224 | $350 | $520 | $1,274 |
| 2016 Honda Ridgeline | $216 | $328 | $524 | $1,248 |
| 2014 Honda Ridgeline | $194 | $284 | $534 | $1,192 |
| 2013 Honda Ridgeline | $190 | $258 | $540 | $1,168 |
| 2012 Honda Ridgeline | $176 | $236 | $534 | $1,126 |
| 2011 Honda Ridgeline | $166 | $214 | $534 | $1,094 |
| 2010 Honda Ridgeline | $162 | $192 | $530 | $1,064 |
| 2008 Honda Ridgeline | $156 | $178 | $510 | $1,024 |
| 2007 Honda Ridgeline | $142 | $170 | $504 | $996 |
| 2006 Honda Ridgeline | $138 | $162 | $500 | $980 |
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 More Affordable Honda Ridgeline Insurance
Finding cheaper rates on insurance for a Honda Ridgeline consists of being a low-risk driver, having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare rates at least every other year by getting rate quotes from direct companies, and also from local insurance agencies.
The items below are a summary of the car insurance concepts covered in the above illustrations.
- Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,710 more per year to insure their Ridgeline
- You may be able to save around $180 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $550 each year
- Insureds who purchase more liability coverage will pay approximately $500 every year to raise from a 30/60 limit to the 250/500 level
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 | $5,536 |
| 20 | $3,394 |
| 30 | $1,534 |
| 40 | $1,472 |
| 50 | $1,346 |
| 60 | $1,322 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,844 |
| $250 | $1,674 |
| $500 | $1,472 |
| $1,000 | $1,282 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,472 |
| 50/100 | $1,606 |
| 100/300 | $1,719 |
| 250/500 | $2,011 |
| 100 CSL | $1,651 |
| 300 CSL | $1,899 |
| 500 CSL | $2,079 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,882 |
| 20 | $5,394 |
| 30 | $3,244 |
| 40 | $3,180 |
| 50 | $3,034 |
| 60 | $3,006 |
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 | $78 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $103 |
| Total Discounts | $618 |
Discounts are estimated and may not be available from every company or in every state.
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