Honda Ridgeline Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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 rates for a Honda Ridgeline are $1,482 a year for full coverage insurance. Comprehensive insurance costs around $320 each year, collision costs $542, and liability coverage is $440. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $3,188 or more. 16-year-old drivers pay the most at $5,524 a year or more.
Average premium for full coverage: $1,482
Premium estimates for type of coverage:
Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Ridgeline models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Honda Ridgeline go from the low end price of $510 for your basic liability-only policy to a high rate of $3,188 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than congested cities.
The graphic below illustrates the effect of geographic area on auto insurance rates.
These rate differences illustrate why all drivers should compare rates quotes for a specific zip code, rather than 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 Information
The chart below illustrates estimated Honda Ridgeline insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $863
- Raising to $1,000 deductibles will save about $198 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,482
- Buying low deductibles will cost an additional $376 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $3,188 or more
- An auto insurance policy that insures a teenage driver can be $5,524
Insurance prices for a Honda Ridgeline also have a wide range based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $1,700 to $2,400 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 128% more than the average rate. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,500 a year. View Rates by Age
Where you choose to live also has a big influence on Honda Ridgeline insurance rates. A middle-age driver might find prices 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% |
Opting for high physical damage deductibles can reduce prices by up to $580 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $396 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, and prices 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 Find Cheaper Honda Ridgeline Insurance
Finding better rates on auto insurance consists of being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop at least once a year by requesting rates from direct insurance companies, and also from insurance agencies where you live.
Below is a condensed summary of the primary concepts that were covered in the above illustrations.
- It is possible to save up to $180 per year simply by quoting online in advance
- Drivers with multiple at-fault accidents could be forced to pay on average $1,710 more every year for auto insurance
- Increasing policy deductibles can save approximately $575 each year
- Teenage drivers are charged the highest prices, with premiums being up to $460 per month if comprehensive and collision insurance is included
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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