Compare quotes for Honda car insurance cost, 2022

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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 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 slightly higher than the average cost nationally, so it’s important to pay attention to the details that can significantly affect your premium.
Here are a few specific reasons why auto insurance rates for Honda tend to sit slightly higher than average without being too expensive altogether:
  • 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 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 the other hand, a modest, less popular car with ample safety features could lower your repair and replacement risk, making it cheaper to insure.

Types of car insurance for your Honda

The car insurance you’ll need for your Honda is not only impacted by model type, but also by your driving demands—and state law.
Most states require some amount of minimum liability insurance before you can get behind the wheel and drive off. This coverage pays for others and their property if you’re at fault in an accident.
Minimum liability insurance typically consists of the following coverages:
Your state may require additional coverages to fulfill the state minimum car insurance guidelines, such as the following:
  • Uninsured motorist coverage helps pay for damages 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.
CarFull CoverageMinimum Coverage
2022 Honda Civic Base$2,420$2,035
2021 Honda Civic Base$2,524$1,743
2020 Honda Civic Base$2,282$1,894
2019 Honda Civic Base$3,174$1,899
2018 Honda Civic Base$2,783$1,796
You can view all the details with our full guide to Honda Civic insurance costs!

How much does Honda Accord insurance cost?

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.
CarFull CoverageMinimum Coverage
2019 Honda Accord Lx$4,697$2,037
2018 Honda Accord Lx$3,977$2,340
2017 Honda Accord Lx$2,786$1,613
2016 Honda Accord Lx$2,365$1,666
2015 Honda Accord Lx$3,492$1,802
Learn more in Jerry’s full guide to the Honda Accord insurance costs.

How much does Honda CR-V insurance cost?

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.
CarFull CoverageMinimum Coverage
2020 Honda Cr-V Ex$1,964$2,021
2019 Honda Cr-V Ex$1,236$1,315
2018 Honda Cr-V Ex$869$1,398
2017 Honda Cr-V Ex$1,723$1,545
2016 Honda Cr-V Ex$1,322$1,549
Read more in Jerry’s handy all-in-one guide to Honda CR-V insurance costs.

How much does Honda Ridgeline insurance cost?

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.
CarFull CoverageMinimum Coverage
2022 Honda Ridgeline Sport$2,420$2,035
2021 Honda Ridgeline Sport$2,524$1,743
2020 Honda Ridgeline Sport$2,282$1,894
2019 Honda Ridgeline Sport$3,174$1,899
2018 Honda Ridgeline Sport$2,783$1,796
Want to learn more? Go to Jerry’s guide to Honda Ridgeline insurance costs for more!

How much does Honda Odyssey insurance cost?

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.
CarFull CoverageMinimum Coverage
2016 Honda Odyssey Ex$1,617$2,156
2012 Honda Odyssey Ex$2,000$839
2011 Honda Odyssey Ex$1,482$814
2008 Honda Odyssey Ex$1,406$802
2007 Honda Odyssey Ex$996$1,572

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!
Quote DateCarLocationZip CodeNameAgeCarrier
Before Jerry
After Jerry
September 23, 2022Honda Accord EXLLittleton, CO80123Brandon M.27Progressive$110/mo.$99/mo.
September 6, 2022Honda Accord ValueBellflower, CA90706Alan M.28National General$155/mo.$100/mo.
September 13, 2022Honda Accord EXWest Palm Beach, FL33415Randall J.25Progressive$185/mo.$114/mo.
September 10, 2022Honda Civic Sport TouringWilmington, DE19810Annie H.53Progressive$240/mo.$159/mo.
September 11, 2022Honda S2000Matthews, NC28105John B.23Progressive$230/mo.$169/mo.

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!

Honda auto insurance cost by driving record

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 $1,744 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.

Honda car insurance cost by location

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.

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