Honda Ridgeline Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 insurance prices for a Honda Ridgeline are $1,482 every 12 months for full coverage insurance. Comprehensive costs on average $320, collision costs $542, and liability costs $440. A policy with only liability insurance costs as little as $510 a year, with a high-risk policy costing around $3,188. 16-year-old drivers pay the most at $5,524 a year or more.
Average premium for full coverage: $1,482
Premium estimates by type of coverage:
Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all Ridgeline models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Honda Ridgeline go from the cheapest price of $510 for just liability insurance to the much higher price of $3,188 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can have significant affects on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than congested cities.
The example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences illustrate why everyone should compare rates based on a specific location and their own driving history, instead of using 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.
More Rate Details
The chart below illustrates estimated Honda Ridgeline insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $863
- Drivers who choose higher $1,000 deductibles will pay around $198 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,482
- Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,858
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,188 or more
- An auto insurance policy to insure a teen driver for full coverage may cost $5,524 a year
Car insurance prices for a Honda Ridgeline also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Ridgeline.
Opting for high physical damage deductibles could save up to $580 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $396 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $5,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,400 extra annually, depending on your age. Honda Ridgeline insurance for high-risk drivers can cost as much as 43% to 128% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Honda Ridgeline insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,000 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Every company utilizes a different rate formula, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Best Honda Ridgeline Insurance
Finding better rates on car insurance not only requires having a good driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting quotes from direct insurance companies, and also from several local insurance agents.
The next list is a brief recap of the primary concepts that were covered above.
- It is possible to save as much as $180 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers who tend to receive serious violations pay on average $1,710 more each year to buy Honda Ridgeline insurance
- Increasing policy deductibles could save as much as $575 each year
- Drivers age 20 and younger are expensive to insure, with premiums being up to $460 per month if the policy includes 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 | $5,524 |
| 20 | $3,400 |
| 30 | $1,542 |
| 40 | $1,482 |
| 50 | $1,352 |
| 60 | $1,326 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,858 |
| $250 | $1,684 |
| $500 | $1,482 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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