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.
U.S. average insurance rates for a Honda Ridgeline are $1,498 a year including full coverage. Comprehensive costs on average $336, collision insurance costs $562, and liability coverage is $420. Buying just liability costs around $494 a year, and insurance for high-risk drivers costs around $3,220. Teens pay the highest rates at up to $5,540 a year.
Average premium for full coverage: $1,498
Price estimates by individual coverage:
Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Ridgeline models.
Price Range from Low to High
For an average driver, Honda Ridgeline insurance prices range from as low as $494 for just liability insurance to the much higher price of $3,220 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on car insurance rates.
The ranges above highlight why everyone should compare rates quotes based on a specific location and risk profile, rather than using 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.
More Rate Details
The chart below breaks down average Honda Ridgeline insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $872
- Raising to $1,000 deductibles will save around $204 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,498
- Selecting pricier low deductibles will increase the cost to $1,894
- Unlucky drivers with serious driving violations could pay upwards of $3,220
- The price for full coverage for a teenage driver for full coverage may cost $5,540
Insurance prices for a Honda Ridgeline are also quite variable based on your driving record, the model of your Ridgeline, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age
The state you live in also has a big influence on Honda Ridgeline insurance rates. A middle-age driver might find prices as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,140 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,352 | -$146 | -9.7% |
| Alaska | $1,150 | -$348 | -23.2% |
| Arizona | $1,246 | -$252 | -16.8% |
| Arkansas | $1,498 | -$0 | 0.0% |
| California | $1,708 | $210 | 14.0% |
| Colorado | $1,430 | -$68 | -4.5% |
| Connecticut | $1,538 | $40 | 2.7% |
| Delaware | $1,696 | $198 | 13.2% |
| Florida | $1,874 | $376 | 25.1% |
| Georgia | $1,384 | -$114 | -7.6% |
| Hawaii | $1,074 | -$424 | -28.3% |
| Idaho | $1,018 | -$480 | -32.0% |
| Illinois | $1,116 | -$382 | -25.5% |
| Indiana | $1,130 | -$368 | -24.6% |
| Iowa | $1,010 | -$488 | -32.6% |
| Kansas | $1,422 | -$76 | -5.1% |
| Kentucky | $2,044 | $546 | 36.4% |
| Louisiana | $2,218 | $720 | 48.1% |
| Maine | $926 | -$572 | -38.2% |
| Maryland | $1,236 | -$262 | -17.5% |
| Massachusetts | $1,196 | -$302 | -20.2% |
| Michigan | $2,600 | $1,102 | 73.6% |
| Minnesota | $1,254 | -$244 | -16.3% |
| Mississippi | $1,796 | $298 | 19.9% |
| Missouri | $1,330 | -$168 | -11.2% |
| Montana | $1,608 | $110 | 7.3% |
| Nebraska | $1,182 | -$316 | -21.1% |
| Nevada | $1,796 | $298 | 19.9% |
| New Hampshire | $1,082 | -$416 | -27.8% |
| New Jersey | $1,674 | $176 | 11.7% |
| New Mexico | $1,324 | -$174 | -11.6% |
| New York | $1,576 | $78 | 5.2% |
| North Carolina | $862 | -$636 | -42.5% |
| North Dakota | $1,226 | -$272 | -18.2% |
| Ohio | $1,034 | -$464 | -31.0% |
| Oklahoma | $1,538 | $40 | 2.7% |
| Oregon | $1,374 | -$124 | -8.3% |
| Pennsylvania | $1,428 | -$70 | -4.7% |
| Rhode Island | $2,000 | $502 | 33.5% |
| South Carolina | $1,360 | -$138 | -9.2% |
| South Dakota | $1,264 | -$234 | -15.6% |
| Tennessee | $1,310 | -$188 | -12.6% |
| Texas | $1,804 | $306 | 20.4% |
| Utah | $1,108 | -$390 | -26.0% |
| Vermont | $1,026 | -$472 | -31.5% |
| Virginia | $898 | -$600 | -40.1% |
| Washington | $1,154 | -$344 | -23.0% |
| West Virginia | $1,374 | -$124 | -8.3% |
| Wisconsin | $1,038 | -$460 | -30.7% |
| Wyoming | $1,334 | -$164 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $600 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $378 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,400 additional each year, depending on your age. Honda Ridgeline insurance for high-risk drivers is expensive and can cost around 43% to 134% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Ridgeline RT 4WD | $1,408 | $117 |
| Honda Ridgeline RTS 4WD | $1,454 | $121 |
| Honda Ridgeline RTL 4WD | $1,498 | $125 |
| Honda Ridgeline RTL W/Navigation 4WD | $1,542 | $129 |
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 | $336 | $562 | $420 | $1,498 |
| 2023 Honda Ridgeline | $320 | $542 | $440 | $1,482 |
| 2022 Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| 2021 Honda Ridgeline | $296 | $524 | $470 | $1,470 |
| 2020 Honda Ridgeline | $286 | $502 | $486 | $1,454 |
| 2019 Honda Ridgeline | $270 | $484 | $500 | $1,434 |
| 2018 Honda Ridgeline | $260 | $450 | $510 | $1,400 |
| 2017 Honda Ridgeline | $250 | $424 | $514 | $1,368 |
| 2016 Honda Ridgeline | $240 | $380 | $520 | $1,320 |
| 2014 Honda Ridgeline | $216 | $328 | $524 | $1,248 |
| 2013 Honda Ridgeline | $210 | $306 | $534 | $1,230 |
| 2012 Honda Ridgeline | $194 | $284 | $534 | $1,192 |
| 2011 Honda Ridgeline | $190 | $258 | $540 | $1,168 |
| 2010 Honda Ridgeline | $176 | $236 | $534 | $1,126 |
| 2008 Honda Ridgeline | $162 | $192 | $530 | $1,064 |
| 2007 Honda Ridgeline | $158 | $188 | $520 | $1,046 |
| 2006 Honda Ridgeline | $156 | $178 | $510 | $1,024 |
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 Low Cost Honda Ridgeline Insurance
Getting lower rates on auto insurance consists of being a safe and courteous driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Take the time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a review of the ideas that were covered in the above illustrations.
- Teenage drivers pay higher prices, possibly costing $462 a month including comprehensive and collision insurance
- Drivers who have several accidents or serious violations may pay on average $1,720 more each year for auto insurance
- Increasing physical damage deductibles can save around $600 each year
- You may be able to save as much as $180 per year just by quoting online well ahead of the renewal date
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 | $5,540 |
| 20 | $3,436 |
| 30 | $1,562 |
| 40 | $1,498 |
| 50 | $1,368 |
| 60 | $1,340 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,894 |
| $250 | $1,710 |
| $500 | $1,498 |
| $1,000 | $1,294 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,498 |
| 50/100 | $1,626 |
| 100/300 | $1,731 |
| 250/500 | $2,004 |
| 100 CSL | $1,668 |
| 300 CSL | $1,899 |
| 500 CSL | $2,067 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,898 |
| 20 | $5,454 |
| 30 | $3,292 |
| 40 | $3,220 |
| 50 | $3,070 |
| 60 | $3,044 |
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 | $79 |
| Multi-vehicle | $76 |
| Homeowner | $22 |
| 5-yr Accident Free | $108 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $68 |
| Advance Quote | $73 |
| Online Quote | $105 |
| Total Discounts | $626 |
Discounts are estimated and may not be available from every company or in every state.
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