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.
Average insurance rates for a Honda Ridgeline are $1,498 a year for full coverage. Comprehensive insurance costs around $336, collision costs $562, and liability coverage costs around $420. A policy with just liability insurance costs as low as $494 a year, with coverage for high-risk drivers costing $3,220 or more. Teen drivers receive the highest rates at $5,540 a year or more.
Average premium for full coverage: $1,498
Rate estimates for individual coverage type:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for different Ridgeline trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $494 for minimum levels of liability insurance to a much higher rate of $3,220 for a high-risk driver policy.
Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance rates.
These examples show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than 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.
Additional Rate Details
The chart below shows estimated Honda Ridgeline insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $872
- Using higher $1,000 deductibles will save about $204 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,498
- Choosing more expensive low deductibles for physical damage coverage will cost an extra $396 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,220 or more
- The cost for full coverage for a teenage driver with full coverage can be $5,540 or more
Insurance rates for a Honda Ridgeline can also vary considerably based on your driver profile, the trim level of your Ridgeline, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may only pay around $1,400 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $5,500 a year. View Rates by Age
Where you live has a huge impact on Honda Ridgeline insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Idaho, Maine, and Iowa, or as much as $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% |
Choosing high deductibles could cut rates by as much as $600 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $378 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,800 to $2,400 additional per year, depending on your age. High-risk driver insurance can be around 43% to 134% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, and rates can be significantly different from one company to the next.
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 More Affordable Honda Ridgeline Insurance
Saving money on auto insurance requires being safe and accident-free, having a good credit history, eliminating unneeded coverage, and taking advantage of discounts. Set aside time to shop around every time your policy renews by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
Below you'll find a summary of the information raised in the charts and tables above.
- Drivers can save up to $180 per year simply by shopping early and online
- Youthful drivers are charged the highest rates, costing as high as $462 per month including comprehensive and collision insurance
- Increasing deductibles can save around $600 each year
- Drivers who have multiple accidents or major violations may be required to pay an average of $1,720 more every year than a low-risk driver
- Consumers who may need more liability protection will pay about $460 each year to increase from a minimum limit to 250/500 limits
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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