Best Car Insurance for Honda 2021

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On average, Honda drivers pay $1,772 each year for car insurance. But not all models are equal—a Civic EX costs $1,938 more more per year to insure than a Civic LX.

Here’s what drivers pay when they switch with Jerry

Here are some real quotes from Jerry customers who saved money when insuring their Honda.
Quote DateMake/modelCity, StateAgeCarrierCoverage Type
Before Jerry
After Jerry
October 11, 2021Honda Cr-V LX
Beaverton
, OR
38KemperCustom$128/mo.$102/mo.
October 14, 2021Honda Civic EX
Anaheim
, CA
24MapfreBasic$180/mo.$120/mo.
October 14, 2021Honda Pilot EXL
Brick
, NJ
37Plymouth RockPredicted$250/mo.$156/mo.
October 16, 2021Honda Civic LX
West Covina
, CA
26National GeneralCustom$223/mo.$159/mo.
October 13, 2021Honda Accord Hybrid EXLLos Angeles, CA27TravelersCurrent$250/mo.$199/mo.

Best insurance carriers for your Honda

Pricing and Reviews

Factors like your personal profile, driving record, and location are all important considerations for insurance companies when they set your rates. But each insurer weighs these factors differently, which means your insurance premium will vary between carriers
Nationwide
Nationwide is a good choice for safe drivers who are technologically inclined. They offer a robust online platform, mobile app, and website that earn them 4.6/5 from Jerry.
Progressive
Progressive is well known in the insurance world for its financial strength, wide array of coverage options, and great discounts and features. Progressive is a good option if you’re tech savvy or a higher-risk driver. Jerry gives it a solid 4.6/5 rating.
Kemper
Kemper focuses on insuring high-risk drivers who might have trouble finding insurance with other carriers. It files SR22 forms for drivers who need to provide proof of coverage to the state, and even insures vehicles with salvage titles that have been rebuilt after being totaled. Jerry rates Kemper a 4.3/5.
Safeco
Safeco is an affordable choice for younger drivers. Their claims-free cashback program offers a small refund for every six months that you remain claims-free. Thanks to these perks, Jerry rates Safeco 4.5/5.
Allstate
As a big player in the industry, Allstate has a large network of agents and repair shops. It offers a range of great digital features, including a rate calculator, mobile app, online bill payment, and online claim reporting. Allstate gets 4.5/5 from Jerry.
Travelers
Travelers offers valuable add-ons for drivers, such as roadside assistance, rental car reimbursement, accident forgiveness, new car coverage, and gap coverage. It also has numerous discounts, such as savings for being a safe driver and a good student. Jerry gives Travelers a 4.7/5 rating.
State Auto
State Auto is a good choice for safe and experienced drivers looking for the most out of their money. It offers a huge range of coverage options and maximizes convenience by allowing drivers to file claims online. State Auto gets a 4.1/5 rating from Jerry.
National General
National General is a good choice for high-risk drivers. In many of the states where it does business, National General has a claims satisfaction guarantee whereby they’ll waive your deductible up to $250 if you’re not happy with your claims experience. Jerry gives National General a rating of 4.1/5.
Dairyland
Dairyland specializes in high-risk drivers and offers flexible payment plans, plus 24/7 live claims support in almost 40 states. For these reasons, Dairyland gets a rating of 4.6/5 from Jerry.
Clearcover
Clearcover is the insurance company for tech-savvy drivers. With its award-winning app, you can easily (and instantly!) file a claim, pay your bill, and access proof of insurance—all while keeping communication online. Jerry rates Clearcover a 4.1/5.

How to compare prices to find the most affordable coverage

The same driver and coverage can result in very different rates from insurers. If you want the best policy and premium, you need to compare quotes.
But remember, the ‘best’ coverage isn’t always the cheapest. While finding affordable insurance is important, the cheapest policy won’t help you in a pinch if it doesn’t offer the coverage you really need.
Almost every insurance company offers online quotes, so you can head to their website, fill out a form, and get your rate. But if you’ve ever done this, you know how monotonous and time-consuming it can be.
To make sure you’re getting the right coverage for the best price, use the comparison shopping and broker app Jerry.
All you’ll need to do is answer a few questions that take less than a minute, and Jerry will provide you with three competitive quotes from top, name-brand auto insurance providers.Once you decide on a plan, Jerry handles the rest—from the paperwork to canceling your old policy.
And since Jerry reviews your policy every 6 months, you can be sure that you’re always getting excellent coverage at an even better price.
Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$1,515.14
2Kemper$1,962.95
3Travelers$2,044.40
4Progressive$2,248.20
5National General$2,276.37
Key Takeaway Using an insurance comparison app like Jerry is the easiest and most effective way to compare quotes from multiple carriers to find the best premium for the coverage you need.

Cost of insuring a Honda

Cost of insuring with minimum coverage and full coverage

The average annual insurance premium for a Honda is $1,814 per year for minimum car insurance and $2,519 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,782 per year for minimum car insurance and $2,484 for full-coverage insurance.
Of course, the insurance cost for your Ford will depend on what kind of coverage you select. Every state has minimum coverage requirements that you must adhere to.
Here are the basic types of insurance that your state may require:
Coverage typeProtection offered
Bodily injury liability (per person and per accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with damage you cause to other people’s vehicles or property
Uninsured motorist protection (per person and per accident)Applies when a car accident isn’t your fault but the at-fault driver doesn’t have liability insurance to pay for your injuries or property damage
Underinsured motorist protection (per person and per accident)Applies when the at-fault driver has liability insurance, but it isn’t enough to cover your injuries or property damage
Personal injury protection (per person and per accident)Pays for your own medical expenses after a car accident
Remember that these are mandatory minimum requirements, not recommendations. If you can afford it, it’s usually a good idea to purchase additional coverage for your Honda.
Even a relatively minor accident can result in thousands of dollars of damage and medical bills. If you’re at fault but don’t have enough coverage, you will be responsible for the costs out of pocket.
If you’re leasing or financing your Honda, you may be required to purchase full-coverage insurance. You should also consider full-coverage insurance if you can’t afford to replace your car in the event of a total loss.
Full coverage typically refers to policies that include collision insurance and comprehensive insurance, plus the liability insurance that the state requires.
Coverage typeProtection offered
CollisionApplies if you get into a collision with someone else’s vehicle or an object
ComprehensiveApplies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism
Here’s what it costs to insure a Honda with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Honda$2,452$1,634$2,324$1,437$2,544$1,782

Cost of insuring based on age and driving record

Your age and driving record are important factors in your insurance rate since they say a lot about your driving experience and risk of getting into an accident. Older drivers who have a lot of experience typically pay less for insurance.
Traffic violations can also have a big impact on your insurance premium. While minor speeding tickets typically won’t affect your rates too much, serious offenses like driving under the influence (DUI) and careless driving will—sometimes for up to a decade or more.
But there’s good news! If you improve your driving habits and maintain a clean record moving forward, you’re likely to see your premiums drop.
Here’s how accidents and violations can affect car insurance costs for Hondas by age group:
Key Takeaway Insurance costs for your Honda will vary depending on factors like your driving record, age, and insurance coverage needs.
Honda produces many different types of vehicles, and your insurance rate will vary depending on the model you have. This is because repair and replacement costs differ between models.
In general, more expensive cars require bigger payouts from insurers—which means bigger insurance premiums for you.
No matter what model you drive, Jerry can find you big savings for the same coverage that you already have.
Download the Jerry app and answer a few questions. Jerry will pull your information from your current provider and review 45+ insurance companies to find you the three best quotes. When you’re ready to switch, Jerry takes care of everything so get on the phone or fill out any long forms.
The average Jerry user saves $879 a year on car insurance.
If you want to learn more about car insurance costs for various popular makes, check out the links below.
Read more about your model {carMake}
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.

Cost of insuring your Honda by year

Most and least expensive years of car

Depreciation means that older vehicles usually cost less to insure than newer ones.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. And the less your car is worth, the less it costs to repair or replace if you need to make a claim. For you, this means savings on insurance rates.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Hondas are 1987 and 1986.
The most expensive years for Hondas are2010 and 2020.
Year
Before Jerry
After Jerry
2021$2,685$1,534
2020$2,454$1,416
2019$2,268$1,322
2018$2,482$1,418
2017$2,666$1,562
2016$2,220$1,256
2015$2,120$1,247
2014$2,219$1,294
2013$2,309$1,312
2012$2,302$1,322
2011$2,307$1,290
2010$2,222$1,276
2009$2,221$1,308
2008$2,138$1,302
2007$1,939$1,185
2006$1,995$1,149
2005$2,007$1,161
2004$1,913$1,003
2003$2,093$1,315
2002$1,715$1,104
2001$1,967$1,106
2000$1,950$1,097
1999$2,008$1,146
1998$1,908$1,129
1997$1,658$992
1996$2,453$1,390
1995$1,935$1,275
1994$2,892$1,268
1993$2,759$1,453
1992$1,265$1,003
Key Takeaway Since older Hondas typically cost less to repair or replace than newer ones and may not be leased or financed, they tend to have cheaper insurance rates.

Cost of insuring a Honda in your city

When it comes to insurance, your location matters.
Different areas have different accident rates, crime rates, and incidences of natural disasters—so rates to insure Hondas can vary, even within the same state.
It all comes down to the amount of risk your insurance company has to take on. If your city has lots of car thefts, collisions, or severe weather events, you can expect to pay more for your coverage.
According to our data, there is a high percentage of Honda drivers in cities including Jersey City (NJ), Atlanta (GA), Jacksonville (FL), Lawrenceville (GA) and Houston (TX).
The cheapest car insurance for Honda for Jerry users is in Fountain Hills (AZ) and Danville (IL).
The most expensive car insurance for Hondas for Jerry users is in ${twoMostExpensiveCities.
City
Before Jerry
After Jerry
Jersey City$7,436$4,776
Atlanta$3,281$2,596
Lawrenceville$4,500$3,119
Houston$2,501$1,616
Charlotte$2,599$1,786
Los Angeles$2,868$1,877
Garner
$3,619$2,681
Dallas$2,682$1,915
Phoenix$2,451$1,686
Virginia Beach
$2,448$1,584
Key Takeaway If you live in an area that has high rates of theft, collisions, or severe weather events, you can expect to pay more for your car insurance.
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