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.
The average insurance prices for a Honda Ridgeline are $1,472 every 12 months for full coverage. Comprehensive costs on average $306 each year, collision costs $536, and liability insurance costs $450. A liability-only policy costs as little as $518 a year, with high-risk insurance costing around $3,180. 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:
Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Ridgeline models.
Price Range Variability
For an average driver, Honda Ridgeline insurance rates go from the cheapest price of $518 for just the minimum liability insurance to a high rate of $3,180 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion.
The graphic below illustrates the effect of geographic area on car insurance rates.
The examples above show why all drivers should compare rates based on a specific location and their own driving history, rather than relying 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.
Additional Rate Analysis
The chart below shows estimated Honda Ridgeline insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $854
- Drivers who choose higher $1,000 deductibles will pay around $190 a year
- The average price for a good driver age 40 with $500 deductibles is $1,472
- Selecting low deductibles for comprehensive and collision insurance increases the price to $1,844
- High risk drivers with serious driving violations could pay upwards of $3,180 or more
- Policy cost to insure a teen driver may cost $5,536 a year
Car insurance rates for a Honda Ridgeline also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Ridgeline.
Choosing higher comprehensive and collision insurance deductibles could save up to $570 each year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $405 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $5,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates
Your home state makes a big difference in Honda Ridgeline insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,100 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Every 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 Shop for the Best Honda Ridgeline Insurance
Finding cheaper rates on Honda Ridgeline insurance not only requires being safe and accident-free, but also maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every time your policy renews by getting quotes from direct carriers, and also from local independent and exclusive agents.
Below you'll find a brief recap of the information covered in the above illustrations.
- Drivers can save as much as $180 per year simply by quoting online in advance
- Youthful drivers are expensive to insure, costing up to $461 each month if the policy includes full coverage
- Increasing comprehensive and collision deductibles could save as much as $550 each year
- High-risk drivers who tend to receive serious violations pay an average of $1,710 more each year than a low-risk driver
- Drivers who require more liability protection will pay approximately $500 each year to go from a 30/60 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 | $5,536 |
| 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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