How Much Does Honda Car Insurance Cost?

On average, it costs about $186 per month to insure a Honda, which adds up to roughly $2,238 per year.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 04 August 2024
Written by Bob Phillips
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The cost of insuring a Honda can vary based on a few key factors, including your age, driving history, and where you live car insurance Insurance companies use this information to evaluate the risk of insuring your Honda, which affects your premium.

Insurance Cost Per Honda Model

Honda Model Average Yearly Insurance Cost
Honda Accord $2,152
Honda Civic $2,310
Honda Clarity $2,844
Honda CR-V $1,880
Honda Fit $1,887
Honda HR-V $2,475
Honda Insight $2,528
Honda Odyssey $2,144
Honda Passport $2,384
Honda Pilot $2,065
Honda Ridgeline $1,950

Keep in mind that these numbers are averages, and the actual cost can differ based on where you live, your age, your driving record, and the type of coverage you select.

Honda Car Insurance Cost – By Driver Age

Age Average Annual Rate
17 $7,420
18 $6,906
19 $6,102
20 $5,324
21 $4,466
22 $4,343
23 $3,804
24 $3,619
25 $3,127
30 $2,419
35 $2,272
40 $2,181
45 $2,123
55 $1,950
65 $2,047
75 $2,562

Honda Car Insurance Cost – By Company

Insurance Provider Average Monthly Premium
GEICO $125
State Farm $137
Progressive $155
Allstate $165

Honda Car Insurance Cost – By U.S. State

State Average Annual Rate
Alabama $2,327
Alaska $1,920
Arizona $2,176
Arkansas $2,373
California $2,639
Colorado $2,463
Connecticut $3,149
Delaware $2,614
Florida $3,110
Hawaii $1,016
Idaho $1,769
Illinois $1,835
Indiana $1,902
Iowa $1,491
Kansas $1,996
Kentucky $2,874
Louisiana $3,691
Maine $1,408
Maryland $2,263
Massachusetts $1,817
Michigan $4,384
Minnesota $1,813
Mississippi $2,170
Missouri $2,061
Montana $2,085
Nebraska $1,764
Nevada $2,907
New Hampshire $2,030
New Jersey $2,223
New Mexico $2,277
New York $2,102
North Carolina $1,315
North Dakota $1,783
Ohio $1,591
Oklahoma $2,554
Oregon $2,328
Pennsylvania $1,949
Rhode Island $3,255
South Carolina $2,208
South Dakota $1,988
Tennessee $2,329
Texas $2,353
Utah $2,003
Vermont $1,550
Virginia $1,456
Washington $1,917
West Virginia $1,930
Wisconsin $1,917
Wyoming $1,794
Georgia $2,537

How To Save Money On Honda Car Insurance?

Owning a Honda involves various costs, with car insurance being a major one. However, there are ways to save on your insurance. Here’s how:

1. Keep a Clean Driving Record

Insurance companies look at your driving history to set your premium. By avoiding accidents and traffic tickets, you demonstrate that you’re a low-risk driver, which can help lower your insurance costs.

2. Bundle Your Policies

Combining multiple insurance policies, like home and auto insurance, with the same provider can often lead to discounts. This not only simplifies your insurance management but also saves you money.

3. Increase Your Deductible

Raising your deductible—the amount you pay out of pocket before your insurance covers the rest—can reduce your premium. Just make sure you can afford the higher deductible if you need to file a claim.

4. Add Safety Features

While Hondas come with many built-in safety features, adding extra ones like anti-theft devices can further reduce your insurance costs by lowering the risk of theft and damage.

5. Look for Discounts

Insurance companies often provide discounts for various reasons, such as being a good student, maintaining a clean driving record, or completing a defensive driving course. Check with your insurer to see which discounts you might be eligible for.

6. Compare Quotes

Insurance rates can differ significantly between providers. It’s wise to compare quotes from different companies to find the best deal for your needs.

7. Consider Usage-Based Insurance

If you don’t drive your Honda frequently, look into usage-based insurance. This type of policy sets your premium based on how much you drive, which could save you money if your Honda isn’t your primary vehicle.

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