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 prices for a Honda Ridgeline are $1,498 every 12 months for full coverage. Comprehensive costs around $336, collision costs $562, and liability is estimated at $420. Buying just liability costs approximately $494 a year, with insurance for high-risk drivers costing around $3,220. 16-year-old drivers pay the highest rates at $5,540 a year or more.
Average premium for full coverage: $1,498
Price estimates for individual coverage:
Prices include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all Ridgeline models.
Price Range from Low to High
Using a middle-aged driver as an example, Honda Ridgeline insurance prices go from the cheapest price of $494 for minimum levels of liability insurance to the much higher price of $3,220 for a high-risk driver policy.
Geographic Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population have more infrequent accident claims than congested cities.
The example below illustrates how where you live affects auto insurance rates.
The ranges above show why everyone should get quotes for a specific zip code and their own driving history, instead of making a decision based on 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.
Additional Rate Details
The chart below shows estimated Honda Ridgeline insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $872
- Choosing higher $1,000 deductibles can save about $204 a year
- The average price for the average middle-age driver using $500 deductibles is $1,498
- Buying pricier low deductibles for comp and collision coverage increases the price to $1,894
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,220 or more
- The price to insure a 16-year-old driver for full coverage can be $5,540 each year
Insurance prices for a Honda Ridgeline are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $600 annually, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $378 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $1,800 to $2,400 additional each year, depending on your age. Honda Ridgeline insurance for high-risk drivers ranges from 43% to 134% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Honda Ridgeline insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or at least $2,140 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know your exact price is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and prices may be quite different.
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 Shop for the Right Honda Ridgeline Insurance
Getting lower rates on insurance for a Honda Ridgeline takes being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a quick rundown of the information touched on in the above illustrations.
- Drivers can save up to $180 per year simply by quoting online well ahead of the renewal date
- Youthful drivers are charged the highest prices, with premiums as much as $462 a month if full coverage is included
- Increasing physical damage deductibles could save as much as $600 each year
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,720 more every year than a low-risk driver
- Insureds who may need more liability protection will pay around $460 each year to raise limits from a low limit to a 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 | $5,540 |
| 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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