Insurance for Honda Vehicles
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UPDATED: May 27, 2023
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The table below shows estimated insurance rates for popular Honda vehicles. Additional models are displayed at the bottom of the page
| Vehicle Model | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Accord | $1,310 | $109 |
| Honda Accord Crosstour | $1,550 | $129 |
| Honda Accord Hybrid | $1,532 | $128 |
| Honda Civic | $1,536 | $128 |
| Honda Clarity | $1,478 | $123 |
| Honda CR-V | $1,140 | $95 |
| Honda CR-Z | $1,378 | $115 |
| Honda Element | $1,324 | $110 |
| Honda Fit | $1,168 | $97 |
| Honda HR-V | $1,356 | $113 |
| Honda Insight | $1,372 | $114 |
| Honda Odyssey | $1,342 | $112 |
| Honda Passport | $1,470 | $123 |
| Honda Pilot | $1,336 | $111 |
| Honda Ridgeline | $1,498 | $125 |
| Get Rates for Your Model Go | ||
Rates assume current 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.
The chart above uses the data from all Honda models in the table above as an example of how different scenarios can have a huge impact on car insurance rates.
Car insurance rates for a Honda can vary considerably based on the trim level of your Ridgeline, your driver profile, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $5,100 a year.
If you like to drive fast or you caused a few accidents, you could be paying at least $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 136% more than a normal policy.
Using high physical damage deductibles could cut rates by as much as $590 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 extra every 12 months
Where you live has a huge impact on Honda insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and Montana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,266 | -$134 | -9.6% |
| Alaska | $1,076 | -$324 | -23.1% |
| Arizona | $1,164 | -$236 | -16.9% |
| Arkansas | $1,400 | -$0 | 0.0% |
| California | $1,596 | $196 | 14.0% |
| Colorado | $1,340 | -$60 | -4.3% |
| Connecticut | $1,440 | $40 | 2.9% |
| Delaware | $1,586 | $186 | 13.3% |
| Florida | $1,754 | $354 | 25.3% |
| Georgia | $1,294 | -$106 | -7.6% |
| Hawaii | $1,008 | -$392 | -28.0% |
| Idaho | $948 | -$452 | -32.3% |
| Illinois | $1,046 | -$354 | -25.3% |
| Indiana | $1,054 | -$346 | -24.7% |
| Iowa | $946 | -$454 | -32.4% |
| Kansas | $1,332 | -$68 | -4.9% |
| Kentucky | $1,912 | $512 | 36.6% |
| Louisiana | $2,076 | $676 | 48.3% |
| Maine | $866 | -$534 | -38.1% |
| Maryland | $1,156 | -$244 | -17.4% |
| Massachusetts | $1,122 | -$278 | -19.9% |
| Michigan | $2,434 | $1,034 | 73.9% |
| Minnesota | $1,174 | -$226 | -16.1% |
| Mississippi | $1,678 | $278 | 19.9% |
| Missouri | $1,244 | -$156 | -11.1% |
| Montana | $1,504 | $104 | 7.4% |
| Nebraska | $1,106 | -$294 | -21.0% |
| Nevada | $1,680 | $280 | 20.0% |
| New Hampshire | $1,010 | -$390 | -27.9% |
| New Jersey | $1,566 | $166 | 11.9% |
| New Mexico | $1,240 | -$160 | -11.4% |
| New York | $1,476 | $76 | 5.4% |
| North Carolina | $808 | -$592 | -42.3% |
| North Dakota | $1,146 | -$254 | -18.1% |
| Ohio | $966 | -$434 | -31.0% |
| Oklahoma | $1,440 | $40 | 2.9% |
| Oregon | $1,284 | -$116 | -8.3% |
| Pennsylvania | $1,338 | -$62 | -4.4% |
| Rhode Island | $1,868 | $468 | 33.4% |
| South Carolina | $1,270 | -$130 | -9.3% |
| South Dakota | $1,182 | -$218 | -15.6% |
| Tennessee | $1,228 | -$172 | -12.3% |
| Texas | $1,688 | $288 | 20.6% |
| Utah | $1,038 | -$362 | -25.9% |
| Vermont | $958 | -$442 | -31.6% |
| Virginia | $840 | -$560 | -40.0% |
| Washington | $1,084 | -$316 | -22.6% |
| West Virginia | $1,284 | -$116 | -8.3% |
| Wisconsin | $972 | -$428 | -30.6% |
| Wyoming | $1,250 | -$150 | -10.7% |
With so much variability in rates, the only way to know your exact price is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.
Additional Honda Vehicles
U.S. averages for full coverage Honda vehicle insurance
National average data is compiled from all 50 U.S. states for the Honda models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,174 |
| 20 | $3,236 |
| 30 | $1,466 |
| 40 | $1,400 |
| 50 | $1,280 |
| 60 | $1,254 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,786 |
| $250 | $1,606 |
| $500 | $1,400 |
| $1,000 | $1,204 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,388 |
| 20 | $5,140 |
| 30 | $3,098 |
| 40 | $3,030 |
| 50 | $2,888 |
| 60 | $2,862 |
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 | $75 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $65 |
| Advance Quote | $70 |
| Online Quote | $99 |
| Total Discounts | $596 |
Discounts are estimated and may not be available from every company or in every state.
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