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Cheapest Honda Car Insurance (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Honda.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Honda car insurance cost? 

Since Honda’s U.S. debut in 1959, its name has become synonymous with practicality, reliability, and versatility. From hatchbacks and sedans to SUVs, trucks, and vans, there’s a Honda model for every driver out there. 
Honda drivers pay an average of $1,140 per year for
auto insurance
—but every Honda car insurance policy is unique. This number is just an estimate, there is no real ‘average’ cost of car insurance. Your price will depend entirely on your driver profile, which is why it’s so important to compare quotes.

How to find the cheapest Honda Car Insurance Quotes

Jerry has helped hundreds of Honda drivers use to find cheap car insurance. Check out some of our recent quotes below!
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
July 12, 2024
Honda Civic EXAAA
$135
• 50,000/100,000 Liability
• Comp / Collision
July 9, 2024
Honda Accord LXState Auto
$184
• State Minimum Liability
• Comp / Collision
July 9, 2024
Honda Pilot LXNationwide
$98
• 100,000/300,000 Liability
• Comp / Collision
July 5, 2024
Honda Civic SportSafeco
$177
• State Minimum Liability
• Comp / Collision
June 29, 2024
Honda Civic LX
Gainsco
$195
• State Minimum Liability
coverageLast Updated Jul 19, 2024

Best car insurance companies for Honda drivers

When
shopping for car insurance
, it’s important to find the right fit for you and your vehicle. 
There is no single best insurance company for Honda drivers since the best company for you will depend on your driving record, location, insurance history, and age along with the vehicle you drive. Jerry’s conducted the largest survey in the nation to help people compare car insurance companies. 
Check out how Honda drivers rate different insurance companies below.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
Happy with my insurance coverage and rate Jerry really helped me find the best rate to fit my needs.
Amanda
Esurance
Great insurance!!!!
Corine
The General
Awesome so far!!
Hayden
Travelers
Saved a ton switching to Travelers.
Isaiah

Are Hondas more expensive to insure?

Compared with other car makes, Hondas cost 1% less to insure.
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Buick
$86
$172
Mini
$90
$166
Honda
$95
$169
KIA
$99
$182
BMW
$101
$210

Cheapest Hondas to insure

According to our expert’s analysis of our quoting data, the cheapest Honda model to insure is 2010 Honda Insight, with an average monthly premium of $40 for state minimum coverage and an average of $184 for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2020 Honda Insight
$82
$184
2019 Honda Ridgeline
$82
$154
2023 Honda Odyssey
$82
$168
2018 Honda Clarity
$82
$171
2019 Honda Clarity
$82
$216

Most expensive Hondas to insure

According to our expert’s analysis of our quoting data, the most expensive Honda model to insure is 2023 Honda Accord, with an average monthly premium of $153 for state minimum coverage and an average of $251 for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2023 Honda Accord
$153
$251
2021 Honda Odyssey
$148
$238
2015 Honda CR-Z
$147
$227
2014 Honda Insight
$144
$246
2016 Honda Pilot
$137
$173
Remember though, that the cost of insurance also depends on other factors such as your driving history, where you live, and more—so shopping for personalized insurance quotes will be more informative than averages alone.

What factors affect Honda car insurance rates?

Many different factors play a role in
how car insurance is calculated
, such as:
  • Vehicle cost: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars. 
  • Vehicle age: Often, newer models also cost more to insure due to new tech and higher value.
  • Cost of parts: High-value or less common models will have higher replacement and repair costs, making them a greater risk to insurance companies. 
  • Your age: Drivers younger than 25 will pay higher insurance rates due to limited driving experience. On the flip side, senior drivers above the age of 70 may also face increased insurance rates. 
  • Your driving record and claims history: Insurance companies will reward those with a clean driving record with lower insurance rates, but individuals with a history of car accidents, tickets, and driving violations will typically pay higher rates. 
  • Where you keep your car: Insurance costs differ based on where you keep your car since road conditions, population density, theft rates, and other risk factors vary from state to state and city to city. 
Here are a few specific factors that impact auto insurance rates for Honda:
  • Imports: Honda vehicles are imported, which means replacement costs tend to be higher compared to domestic models.
  • Safety: Honda is renowned for excellent safety ratings, especially so for small vehicles.
  • Reliability: Hondas are extremely reliable and safe cars, which means there is a lower rate of claims for these vehicles. 

Honda insurance cost for young drivers

Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group. For teens who own their own car, full coverage is essential since teens have a higher accident rate than older, more experienced drivers.

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Jordan (24 years old)
coverageCoverage
State Minimum
carHonda Civic LX
$199
per month
card cover
Isaiah (21 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHonda Accord Sport
$159
per month
card cover
Dennis (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationWest Creek, NJ
carHonda Civic EX
$135
per month
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Nathaniel (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carHonda Accord Touring
$179
per month

Honda insurance cost for senior drivers

Car insurance rates start to rise once you get into your mid-70s.
Car insurance rates for seniors
tend to be higher because older drivers are more susceptible to being involved in accidents. They’re also more prone to severe injuries in the event of a collision, leading to significant medical expenses and increased costs for insurance providers

card cover
Devin (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHonda Civic Sport
$115
per month
card cover
Sadie (74 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationYonkers, NY
carHonda Civic DX VP
$213
per month
card cover
Lottie (68 years old)
coverageCoverage
State Minimum
carHonda Civic LX
$333
per month
card cover
Gerald (81 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMadison, WI
carHonda CR-V EXL
$60
per month
card cover
Richard (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carHonda CR-V EX
$70
per month

Honda insurance cost for drivers with driving violations 

Honda car insurance costs also depend on your driving record. Honda drivers with no violations or at-fault accidents pay the lowest rates, but you’ll see a surcharge on your coverage if you have any of the following on your record in the last three to five years: 
  • Speeding tickets
  • DUIs
  • At fault accidents
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Honda drivers with speeding ticket

A single ticket for going less than five miles over the speed limit isn’t likely to make a substantial change in your Honda insurance premiums—but repeated tickets, or a single ticket for serious speeding, could cause your rates to shoot up. Jerry is proud to help Honda drivers with varying types of speeding tickets on their record save on car insurance.

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Honda Accord Hybrid SportSafeco
$205
• 25,000/50,000 Liability
• Comp / Collision
Speeding 6-10
Honda CR-V EXLAllstate
$199
• State Minimum Liability
• Comp / Collision
Speeding 11-15
Honda InsightAAA
$186
• 15,000/30,000 Liability
Speeding 16-20
Honda CR-V EXLNationwide
$111
• State Minimum Liability
• Comp / Collision
Speeding 21+
Honda Accord SportInfinity
$331
• 15,000/30,000 Liability
coverageLast Updated Jul 19, 2024

Cheapest car insurance for Honda drivers with a DUI record

If you have a
DUI conviction
on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Honda drivers obtain affordable auto insurance rates after a DUI.

card cover
Amelia (48 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHonda Civic LX
$496
per month
card cover
George (36 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHonda Civic EX
$268
per month
card cover
Cole (32 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carHonda Accord Sport
$162
per month
card cover
John (31 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carHonda Accord EXL
$174
per month
card cover
Leila (33 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carHonda Element EX
$205
per month

Cheapest car insurance for Honda drivers after an accident

One of the most important factors affecting Honda car insurance rates is your car accident or claim history. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped Honda drivers save on car insurance after accidents.

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Honda CR-V EXNationwide
$141
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Honda Accord LXAAA
$247
• State Minimum Liability
• Comp / Collision
At Fault With Injury
Honda Civic LXSafeco
$250
• State Minimum Liability
• Comp / Collision
Not At Fault
Honda Civic EXL
Clearcover
$161
• 30,000/60,000 Liability
• Comp / Collision
At Fault With No Injury
Honda CR-V EXLPlymouth Rock
$128
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 18, 2024

Cheapest car insurance for Honda drivers with other driving violations on their record

In addition to speeding tickets and DUIs, other violations such as reckless driving and
driving on a suspended license
can also cause your car insurance costs to increase. We’ve compiled a list of various driving violations and how we helped Honda drivers with these violations save on their car insurance.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Honda CR-V LXProgressive
$80
• No Coverage Liability
Defective Equipment
Honda Civic LXNationwide
$97
• 50,000/100,000 Liability
• Comp / Collision
Failure to Stop
Honda Accord Hybrid Sport-LAAA
$208
• 25,000/50,000 Liability
Wrong Way/Wrong Lane
Honda Civic LXSafeco
$208
• State Minimum Liability
Cell Phone
Honda Accord EXBristol West
$66
• State Minimum Liability
Careless Driving
Honda Accord LXNational General
$162
• No Coverage Liability
Driving on Sus. License
Honda Civic LX-SNational General
$139
• State Minimum Liability
Failure to Stop
Honda Accord LX-SState Auto
$147
• State Minimum Liability
Seat Belt
Honda Accord LXTravelers
$492
• 100,000/300,000 Liability
• Comp / Collision
Improper Passing
Honda Pilot TouringPlymouth Rock
$160
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 15, 2024

How can I lower the cost of my Honda car insurance?

There are a variety of ways to lower the cost of insuring a Honda vehicle.  
  • Shop around:
    Shopping around for insurance coverage
    by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 50 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Opt for a small SUV or minivan: If you’re buying a new Honda, make sure to research insurance rates for different models beforehand. Buying a small used SUV rather than a brand-new sports car can save you money on insurance. 
  • Bundle your insurance policies:
    Bundling your home and auto insurance
    with the same company can amount to a lower overall bill. 
  • Participate in a telematics program: Those who drive certain Honda models may be eligible to participate in Honda’s HondaLink Driver Feedback App—a telematics program that rates driving habits. If you’re a safe driver, you could qualify for
    car insurance discounts
  • Reduce your coverage: If you have any older cars, you can
    reduce coverage
    on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
  • Raise your deductible: Your deductible is the amount of money you pay out of pocket before your collision or comprehensive insurance coverage kicks in on a claim. Raising your deductible reduces monthly insurance payments.

FAQs

In general, no. Honda car insurance rates are below average in most cases thanks to strong safety ratings, affordable models, and a low rate of insurance claims from Honda drivers.
Honda doesn’t partner directly with any insurance companies. To find the best option for Honda car insurance, compare rates from a few different providers to find the best fit for your profile.
Car insurance coverage for a Honda Accord is fairly inexpensive for drivers with clean driving records, but it costs more than insurance for a Honda Civic or CR-V. That’s because the Accord is a mid-size sedan with a higher MSRP than the compact Civic and a higher chance of costly claims after an accident than an SUV. The Accord is also a popular target for car thieves, making comprehensive insurance more expensive for this model.
Honda Civic insurance costs are higher due to the high likelihood of auto theft and serious accidents. Many Honda Civic owners are younger, less experienced drivers with a high rate of claims—and while the vehicle has excellent safety ratings, it won’t fare as well in a crash as a sturdy SUV.
Most Honda drivers need full coverage insurance, which includes basic liability coverage as well as collision and comprehensive insurance. If you’re financing a new vehicle with Honda, you’ll be required to maintain full coverage for the full term of your auto loan. Depending on where you live, you may also be subject to
state insurance laws
requiring uninsured motorist coverage, personal injury protection (PIP), or other coverage options. 
On average, the
Subaru Outback
is the cheapest car to insure for the 2023 model year. For most drivers, the cheapest Honda to insure is the
Honda CR-V
, which costs slightly more than the Outback to insure.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.