Best Car Insurance for Honda 2022

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Car Insurance for Honda

On average, Honda drivers pay $1,736 each year for car insurance. But depending on the model you have, your insurance rates could vary. A Pilot Vp costs $2,081 less more per year to insure than a Civic Touring.
Honda was first founded in Japan in 1946 and has been one of the largest manufacturers in the world ever since. Honda vehicles have become a symbol of reliability and durability over the years, and have built up a dedicated fanbase. Whether you’re a newly-licensed teenager or a family of five, Honda is a great option for drivers.
When choosing to insure your Honda, you’ll want to make sure you have the right car insurance to suit your needs and keep your ride protected.
Jerry is the easiest and most effective way to find a car insurance policy that is customized for you. After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to.
Here are some real quotes from Jerry customers who saved money when insuring their Honda.
Quote DateCarLocationZip CodeNameAgeCarrier
Before Jerry
After Jerry
April 25, 2022Honda Accord EXAltoona, IA50009Johnny R.27Progressive$90/mo.$63/mo.
April 29, 2022Honda Accord SportEl-Sobrante, CA94803Eugenia C.30National General$153/mo.$76/mo.
May 3, 2022Honda PreludeGlen Allen, VA23060Lester D.21Electric$179/mo.$77/mo.
April 27, 2022Honda Pilot EXLKilleen, TX76542Bertha L.21Electric$199/mo.$101/mo.
May 17, 2022Honda Accord EXLHanover Park, IL60133Bessie N.24Electric$183/mo.$115/mo.
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Insurance for your Honda

Insurance costs for your Honda will vary depending on factors like your driving record, age, and insurance coverage needs.

Insurance for Honda based on the year of the 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 compared to just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Hondas are 1986 and 1984.
The most expensive years for Hondas are 2017 and 2018.
Year
Average Cost
Annual Savings with Jerry
2022$2,965$842Compare Prices
2021$3,205$924Compare Prices
2020$3,044$871Compare Prices
2019$3,074$906Compare Prices
2018$3,361$1,013Compare Prices
2017$3,368$999Compare Prices
2016$2,871$841Compare Prices
2015$2,794$863Compare Prices
2014$2,767$859Compare Prices
2013$2,747$896Compare Prices
2012$2,742$889Compare Prices
2011$2,576$895Compare Prices
2010$2,620$888Compare Prices
2009$2,664$945Compare Prices
2008$2,488$793Compare Prices
2007$2,524$851Compare Prices
2006$2,403$765Compare Prices
2005$2,427$775Compare Prices
2004$2,335$718Compare Prices
2003$2,249$726Compare Prices
2002$2,209$715Compare Prices
2001$2,294$755Compare Prices
2000$2,349$802Compare Prices
1999$2,139$700Compare Prices
1998$2,196$832Compare Prices
1997$2,297$936Compare Prices
1996$2,012$667Compare Prices
1995$3,162$1,603Compare Prices
1994$2,071$671Compare Prices
1993$2,111$707Compare Prices
Key Takeaway Since older Hondas typically cost less to repair or replace than newer ones and may not be leased or financed, they usually have cheaper insurance rates.
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Insurance for different models of Honda based on model

Honda produces a variety of vehicles, and your insurance rate will vary depending on the model you have. Starting price points, as well as repair and replacement costs, will differ between models.
Generally, sedans and compact cars will be cheaper to insure due to their lower price, less expensive repair costs, and higher safety ratings. A larger vehicle or sports coupe comes with more expensive repairs and premium additions.
As one of the brand’s largest models, the Pilot will also be one of the priciest to insure, thanks to its size and higher cost of repairs.
The compact Fit, on the other hand, will be one of the cheapest models to insure. Its small size and inexpensive cost will help to lower your premiums.
If you want to learn more about car insurance costs for some of the most popular Honda models, check out the links below.
Key Takeaway Your car model affects your insurance rates. The pricier the car, the more expensive your car insurance will usually be.
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Full coverage vs. minimum coverage for your Honda

The majority of states require you to purchase minimum amounts of liability insurance before you can hit the road. This coverage protects others and their property if you cause an accident.
Minimum coverages typically include:
Coverage typeProtection offered
Bodily injury liability (per person and 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 the damage you cause to other people’s vehicles or property
Uninsured or underinsured motorist protection might also be required in your state to cover damages if you’re in an accident with an uninsured or underinsured driver.
You may also be required to purchase personal injury protection (PIP) to pay for your medical expenses—especially if you live in a no-fault state.
It is strongly advised that you obtain additional coverages for your Honda to best protect it. State-mandated insurance, after all, won’t assist you in protecting your car in the case of an at-fault accident
Full coverage insurance policies ensure that you are covered in the event of large medical bills or major car damage. In most cases, full coverage insurance includes the following:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism.
The average annual insurance premium for a Honda is $1,688 per year for minimum car insurance and $2,405 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,626 per year for minimum car insurance and $2,298 for full-coverage insurance.
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$2,347$1,610$2,272$1,430$2,639$1,944
Honda
All Coverage Before Jerry
$2,347
All Coverage After Jerry
$1,610
Minimum Coverage Before Jerry
$2,272
Minimum Coverage After Jerry
$1,430
Full Coverage Before Jerry
$2,639
Full Coverage After Jerry
$1,944
As is true of most makes, a more expensive car will be more expensive to insure. Honda, as a manufacturer, is one of the most affordable on the market.
Compared to similar brands, like Toyota and Hyundai, insurance premiums for Hondas tend to be about the same, if not lower.
If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Honda

Insurers will consider more than just the age and model of your car when setting rates. Your age, driving history, and where you live, amongst other factors, can also impact the cost of your insurance.

The model of Honda you drive

Most models are offered with different trim levels—versions of the same model that includes different features—and a higher trim can come with pricier insurance premiums.
For example, here’s what insurance you might want to consider for a Honda Accord.
TrimFeaturesRecommended coverageReason for coverage
Accord LXThis base trim comes well-equipped, with 17-inch wheels, dual-zone climate control, and the Honda Sensing suite of safety aids.Roadside assistanceIf your Accord ever breaks down on the road, this insurance will cover the cost of towing and labor services.
Accord TouringThe Accord’s top-of-the-line trim adds a 2.0T engine, rain-sensing wipers, and low-speed anti-collision braking.New car replacement insuranceThis insurance entitles you to the full market value of your car—and not just its depreciated actual cash value—if your Honda is totaled soon after purchase.

Your insurance company

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.
Still, doing it yourself means hours of research, calling for quotes, filling out paperwork, and going through the details of policies.
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 filing the paperwork to helping to cancel your old policy.
Jerry keeps you updated on the best prices every time your policy is up for renewal, so you know you’re always getting the best deal possible. Here’s what Honda drivers paid for car insurance before and after switching with Jerry:
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Your age

Your age is one of the primary factors used by insurers when setting your premiums.
Young drivers will generally pay much more for insurance than older drivers. Insurance providers often consider younger drivers with less driving experience as high-risk drivers, and they’ll raise premiums based on the likelihood they will make a claim more often.

Your driving record

Insurance providers regularly check your driving record to determine the insurance rates they offer.
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 don’t stress too much—if you improve your driving habits and maintain a clean record moving forward, you’re likely to see your premiums drop.
Here are some common insurance premiums for Honda drivers with previous infractions:
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Where you live

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 Atlanta (GA), Houston (TX), Philadelphia (PA), Phoenix (AZ) and Charlotte (NC).
The cheapest car insurance for Honda for Jerry users is in Applegate (CA) and Bessemer City (NC).
The most expensive car insurance for Honda for Jerry users is in Seffner (FL) and Citrus-Springs (FL).
Regardless of where you live, your demographics, or the model of Honda you drive, you can find the best rates on car insurance by shopping with Jerry.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy!

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