Honda Ridgeline Insurance Rates

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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.

Estimated auto insurance rates for a Honda Ridgeline are $1,482 annually including full coverage. Comprehensive insurance costs on average $320 a year, collision costs $542, and liability costs around $440. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing $3,188 or more. Teen drivers pay the most at $5,524 a year or more.

Average premium for full coverage: $1,482

Premium estimates by type of coverage:

Comprehensive $320
Collision $542
Liability $440

Price estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Ridgeline trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Honda Ridgeline go from as cheap as $510 for your basic liability-only policy to a high of $3,188 for coverage for higher-risk drivers.

Liability Only $510
Full Coverage $1,482
High Risk $3,188

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how your location can change car insurance rates.

Rural Areas $1,112
Small Cities $1,556
Large Cities $2,001

These rate differences highlight why it is important to compare prices based on a specific location and their own personal driving habits, instead of using 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.

More Rate Information

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

  • The lowest rate with discounts is $863
  • Using higher $1,000 deductibles will save around $1,284 every year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,482
  • Choosing low $100 deductibles for physical damage coverage costs an additional $376 every year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $3,188 or more
  • An auto insurance policy with full coverage for a teen driver may cost $5,524 or more

View Chart as Image

Honda Ridgeline insurance cost comparison chart
Column chart showing full coverage Honda Ridgeline insurance prices range from $863 to $5,524

Car insurance prices for a Honda Ridgeline also have a wide range based on the model of your Ridgeline, your driving characteristics, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $580 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $396 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda Ridgeline insurance prices. A driver around age 40 might see prices as low as $1,140 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,110 on average in Michigan, New York, and Louisiana.

Honda Ridgeline Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,336 -$146 -9.9%
Alaska $1,136 -$346 -23.3%
Arizona $1,230 -$252 -17.0%
Arkansas $1,482 -$0 0.0%
California $1,686 $204 13.8%
Colorado $1,412 -$70 -4.7%
Connecticut $1,520 $38 2.6%
Delaware $1,676 $194 13.1%
Florida $1,852 $370 25.0%
Georgia $1,368 -$114 -7.7%
Hawaii $1,062 -$420 -28.3%
Idaho $1,002 -$480 -32.4%
Illinois $1,102 -$380 -25.6%
Indiana $1,118 -$364 -24.6%
Iowa $1,000 -$482 -32.5%
Kansas $1,406 -$76 -5.1%
Kentucky $2,018 $536 36.2%
Louisiana $2,194 $712 48.0%
Maine $916 -$566 -38.2%
Maryland $1,222 -$260 -17.5%
Massachusetts $1,182 -$300 -20.2%
Michigan $2,572 $1,090 73.5%
Minnesota $1,238 -$244 -16.5%
Mississippi $1,774 $292 19.7%
Missouri $1,314 -$168 -11.3%
Montana $1,592 $110 7.4%
Nebraska $1,168 -$314 -21.2%
Nevada $1,776 $294 19.8%
New Hampshire $1,068 -$414 -27.9%
New Jersey $1,656 $174 11.7%
New Mexico $1,312 -$170 -11.5%
New York $1,560 $78 5.3%
North Carolina $854 -$628 -42.4%
North Dakota $1,212 -$270 -18.2%
Ohio $1,022 -$460 -31.0%
Oklahoma $1,520 $38 2.6%
Oregon $1,356 -$126 -8.5%
Pennsylvania $1,410 -$72 -4.9%
Rhode Island $1,976 $494 33.3%
South Carolina $1,342 -$140 -9.4%
South Dakota $1,250 -$232 -15.7%
Tennessee $1,296 -$186 -12.6%
Texas $1,784 $302 20.4%
Utah $1,094 -$388 -26.2%
Vermont $1,014 -$468 -31.6%
Virginia $886 -$596 -40.2%
Washington $1,142 -$340 -22.9%
West Virginia $1,358 -$124 -8.4%
Wisconsin $1,024 -$458 -30.9%
Wyoming $1,318 -$164 -11.1%

View Chart as Image

Honda Ridgeline insurance rates by U.S. city

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes will be substantially different between companies.

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 $1,396 $116
Honda Ridgeline RTS 4WD $1,438 $120
Honda Ridgeline RTL 4WD $1,482 $124
Honda Ridgeline RTL W/Navigation 4WD $1,522 $127

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.

Honda Ridgeline Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Honda Ridgeline $320 $542 $440 $1,482
2023 Honda Ridgeline $306 $536 $450 $1,472
2022 Honda Ridgeline $296 $524 $470 $1,470
2021 Honda Ridgeline $286 $502 $486 $1,454
2020 Honda Ridgeline $270 $484 $500 $1,434
2019 Honda Ridgeline $260 $450 $510 $1,400
2018 Honda Ridgeline $250 $424 $514 $1,368
2017 Honda Ridgeline $240 $380 $520 $1,320
2016 Honda Ridgeline $224 $350 $520 $1,274
2014 Honda Ridgeline $210 $306 $534 $1,230
2013 Honda Ridgeline $194 $284 $534 $1,192
2012 Honda Ridgeline $190 $258 $540 $1,168
2011 Honda Ridgeline $176 $236 $534 $1,126
2010 Honda Ridgeline $166 $214 $534 $1,094
2008 Honda Ridgeline $158 $188 $520 $1,046
2007 Honda Ridgeline $156 $178 $510 $1,024
2006 Honda Ridgeline $142 $170 $504 $996

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 Buy Cheaper Honda Ridgeline Insurance

Finding better rates on car insurance requires not taking risks behind the wheel, having a good credit score, refrain from filing small claims, and maximizing policy discounts. Invest the time to shop around at least once a year by requesting rates from direct car insurance companies, and also from several local insurance agents.

The following is a condensed summary of the primary concepts that were illustrated above.

  • You may be able to save as much as $180 per year simply by quoting early and online
  • Higher risk drivers with multiple at-fault accidents pay on average $1,710 more each year for Ridgeline insurance
  • Increasing policy deductibles could save up to $575 each year
  • Teens are expensive to insure, with the cost nearing $460 per month if comprehensive and collision insurance is included

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 $5,524
20 $3,400
30 $1,542
40 $1,482
50 $1,352
60 $1,326

Full coverage, $500 deductibles

Rates by Deductible

Honda Ridgeline Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,858
$250 $1,684
$500 $1,482
$1,000 $1,284

Full coverage, driver age 40

Rates by Liability Limit

Honda Ridgeline Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,482
50/100 $1,610
100/300 $1,720
250/500 $2,006
100 CSL $1,654
300 CSL $1,896
500 CSL $2,072

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Ridgeline Insurance Rates for High Risk Drivers
Age Premium
16 $7,872
20 $5,402
30 $3,256
40 $3,188
50 $3,040
60 $3,012

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 $203

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $76
Homeowner $22
5-yr Accident Free $106
5-yr Claim Free $95
Paid in Full/EFT $66
Advance Quote $72
Online Quote $104
Total Discounts $619
Rate after discounts $863

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

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