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The average Honda driver spends $2,816 annually on car insurance—but the exact amount will vary. Model type, age, and annual mileage are just a few driving factors behind a Honda model’s final 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—and car insurance costs tend to reflect this. So how exactly can you find the cheapest car insurance no matter what Honda model you drive?
Download Jerry! The licensed broker and car insurance super app just needs some basic information—like the Honda model you drive—to find personalized and affordable coverage. In this guide, we’ll discuss what plays a role in your Honda insurance rate and how you can make sure you’re finding the best Honda car insurance without overpaying.
How much does Honda car insurance cost?
On average, Honda car insurance costs $2,816 each year. But the exact premium amount you’ll pay is determined by several factors, so shopping around is essential to get the best deal. Jerry the super app finds the best Honda car insurance rates since it shops with all these factors in mind.
Insurance rates for Honda vehicles are right in line with the national average, but it’s still important to pay attention to the details that can significantly affect your premium.
Here are a few specific factors that impact auto insurance rates for Honda:
Honda vehicles are imported, which means replacement costs tend to be higher compared to domestic models.
Honda is renowned for excellent safety ratings, especially so for small vehicles.
Hondas are extremely reliable and safe cars, which means there is a lower rate of claims for these vehicles. Honda parts also tend to be cheaper and more accessible since it’s a popular brand.
Keep in mind that these insurance rates aren’t applicable in every case. A popular, high-performance Honda model will be more prone to theft and could lead to higher rates on some coverages. On the other hand, a modest car with ample safety features means lower repair costs and potentially fewer accidents, making it cheaper to insure.
Compare Honda car insurance quotes
Believe it or not, car insurance quotes aren’t one-size-fits-all. Getting quotes based on your needs, driving history, and type of vehicle is a huge task...unless you use Jerry.
Once you provide some basic information, Jerry begins shopping for policies and rates that fit your needs from the best car insurance companies in the nation. Jerry’s car insurance shopping algorithm allows you to compare real quotes to find the companies that work best for your unique demographics and Honda vehicle.
Curious how much you could be saving? Look at the table below for real Honda insurance quotes from the Jerry app and check out what some customers have to say!
Your state may require additional coverages to fulfill the state minimum car insurance guidelines, such as the following:
Uninsured motorist coverage helps pay for medical expenses if you get into an accident with a driver who isn’t insured or has insufficient insurance.
Personal injury protection (PIP) helps pay for your medical costs and other expenses stemming from accident-sustained injuries. This insurance is often required in no-fault states.
You’re technically ready to ride as soon as you have the required insurance. But whether or not that’s enough depends on your Honda’s unique needs. The state-mandated minimum may be enough for your vintage Honda Accord but they may not cut it for a brand new Honda Civic.
A full-coverage car insurance policy will protect you and you’re Honda from the largest variety of damages with the following types of coverage:
Collision insurance assists with costs originating from a collision with another vehicle or object.
Comprehensive coverage pays to repair or replace your vehicle due to unexpected damages, including theft, vandalism, severe weather, and animal contact.
If your car is financed, Honda financial services and other loaners may require full-coverage insurance as part of your agreement terms. Gap insurance may also be required to bridge the gap between your car’s market value and your remaining loan balance if it gets totaled.
Honda insurance cost by model
One of the biggest determinants of the cost of your Honda insurance premium is the type of model you own. Large and powerful vehicles with heightened power capabilities, like the 284-horsepower Honda Pilot, are considered riskier to insurance companies, and thus have generally higher insurance costs.
Conversely, a smaller compact vehicle with excellent safety ratings will have some of the cheapest car insurance premiums. The Honda Odyssey minivan and the Honda CR-V compact SUV are two decent representations of safe and family-friendly cars that have resultantly lower insurance costs.
But these factors don’t act independently—in other words, the connections between your Honda vehicle’s distinct features are quite intricate, which can significantly impact your insurance costs in turn. Let’s go over some of the average annual insurance premiums for some of Honda’s most popular vehicles and see how this influences the price you pay for insurance coverage.
How much does Honda Civic insurance cost?
The Honda Civic is one of the best selling-vehicles in the country, lauded for its rather low MSRP, reliability, and fantastic safety ratings. Because it’s such a popular Honda and the cheapest Honda offering, you’d think it would have the cheapest insurance, but unfortunately, that’s not the case.
The Honda Civic has pretty high theft rates and tends to be extremely popular among younger drivers due to its low upfront costs. Both of these factors end up spiking rates, and resultantly, the Civic is generally the most expensive car to insure out of the Honda lineup.
The Honda Accord has got some of the best safety ratings and fuel-efficiency ratings across its many configurations and trims. But since the Honda Accord is so configurable, insurance rates can vary pretty wildly.
Fancier versions of the Honda Accord will have higher MSRPs that can drive up costs, but they also often have advanced security systems and safety features that lower their risk rating and quell insurance rates as a result. Honda Accords with a hybrid powertrain will cost more to insure than the base LX since their powertrains are more expensive to replace or repair.
On the whole, Honda Accords offer great value for what you're buying. The table below shows how the cost of full coverage compares to the minimum liability insurance alongside other factors like your age and your Honda Accord’s model year.
As a compact crossover SUV with great safety and reliability ratings, the Honda CR-V receives reasonable insurance costs. Full-coverage policies like collision and comprehensive coverage are inexpensive, and a liability insurance-only policy for a CR-V is one of the least expensive in the entire Honda lineup, just behind the full-size Pilot and Odyssey minivan.
Compare premiums for different coverage preferences and model years in the table below.
The Honda Ridgeline is a compact pickup that drives more like an SUV than a burly truck. That’s good news as far as coverage is concerned! Since it’s not suited for a lot of heavy towing or intense off-roading, you can expect to pay less for this Honda insurance as compared to more rugged and powerful trucks like the Chevrolet Colorado or Toyota Tacoma.
Curious about how much you might pay for Ridgeline insurance? Your premium may vary depending on your circumstances. Here’s a table comparing full versus minimum coverage rates across Ridgeline model years.
Situated between the CR-V and the Honda Pilot, the 3-row Odyssey has a very low starting price—and a lot of standard features! Its affordability, Honda Sensing driver-assistance technology, and excellent overall safety ratings mean you’ll enjoy some of the lowest car insurance rates out of the Honda lineup.
Considering its base affordability and low insurance rates, you may be able to afford additional protection with a standard deductible. Consider how different levels of coverage and the age of your vehicle will affect your Honda Odyssey insurance costs.
2016 Honda Odyssey Ex
2012 Honda Odyssey Ex
2011 Honda Odyssey Ex
2008 Honda Odyssey Ex
2007 Honda Odyssey Ex
Best insurance company for your Honda
Whether you drive the Honda Insight, Honda Clarity, or Honda Fit, you’ll need to compare a few insurance offers to make sure you find the cheapest one. You might secure the best rate from Geico, Progressive, or State Farm—but there’s no one insurer offering the lowest insurance prices to all Honda owners.
Every insurance company has its own formula for setting rates. While one company may heavily favor safety features when generating their premiums, another may prefer presenting customers discounts to lower rates.
That’s why Jerry analyzes current quotes from more than 55 leading and qualified insurers, so you can find the best company to suit your Honda and personal needs.
Check out the quotes for Honda vehicles in the table below and see how Jerry can help you save!
Your insurance rate isn’t solely determined by your Honda model and chosen insurance company—your driving record is another undeniable ingredient.
There’s no fancy way to phrase it: simply drive responsibly and you’ll secure lower rates. Even ostensibly small and insignificant traffic violations can easily and automatically drive your insurance costs up.
Honda drivers who receive a DUI conviction typically see their insurance rate jump $1,741 more for annual car insurance. And a seemingly innocuous speeding citation tacks on nearly $2,816 more to your yearly rate.
You can estimate your potential Honda insurance savings based on your driving record with the table below.
If you’ve come this far, you’re probably wondering what else could possibly affect your rate. Luckily, it’s not too much of a head-scratcher. Where you live will affect your insurance rates, no matter what model you drive. For example, Honda drivers on the wild roads of Kentucky will have much different insurance costs than Honda owners in the tame state of Maine.
See the table below to see how your premium compares to your state’s average.