Honda Car Insurance: How Much Is Honda Insurance? 2024
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.
Honda, established in 1948, is a Japanese automaker known for producing reliable, fuel-efficient vehicles ranging from compact cars and sedans to SUVs and motorcycles, with a focus on innovation and performance. The cost of insuring a Honda varies based on a few key factors. These include your age, driving history, and where you live car insurance insurance companies use this information to determine the risk of insuring your Honda, which affects your premium. The average cost to insure a Honda is $2,238 per year.
How Much Does Honda Insurance Cost?
The average cost to insure a Honda is $186 per month, amounting to approximately $2,238 per year. However, your insurance premium will vary based on factors such as your age, location, driving record, and the specific Honda model you own.
Average Honda Insurance Cost By Model
A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring a Honda, across all models, is $2,238 per year. The Honda CR-V is the cheapest model to insure, at $1,880 per year. On the other hand, the Honda Clarity is the most expensive, at an average of $2,844 per year.
Use the table below to compare insurance rates for Honda models.
| 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.
Are Hondas Expensive To Insure?
The national average car insurance cost is $156 per month, while insuring a Honda averages $186 per month across all models—slightly higher. However, insurance rates are typically determined by the specific car model rather than the brand as a whole, so it’s important to review rates tailored to your vehicle.
Honda Accord Insurance Cost
The average cost of insuring a Honda Accord across all model years, is $652 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Honda Accord | $1,003 |
| 2023 Honda Accord | $574 |
| 2022 Honda Accord | $672 |
| 2021 Honda Accord | $570 |
| 2020 Honda Accord | $445 |
Honda Civic Insurance Cost
The average cost of insuring a Honda Civic across all model years, is $700 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Honda Civic | $994 |
| 2023 Honda Civic | $578 |
| 2022 Honda Civic | $585 |
| 2021 Honda Civic | $603 |
| 2020 Honda Civic | $748 |
Honda Clarity Insurance Cost
The average cost of insuring a Honda Clarity across all model years, is $1,640 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2022 Honda Clarity | $3,940 |
| 2021 Honda Clarity | $1,681 |
| 2020 Honda Clarity | $554 |
| 2019 Honda Clarity | $1,235 |
| 2018 Honda Clarity | $940 |
Honda CR-V Insurance Cost
The average cost of insuring a Honda CR-V across all model years, is $575 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Honda CR-V | $782 |
| 2023 Honda CR-V | $525 |
| 2022 Honda CR-V | $518 |
| 2021 Honda CR-V | $542 |
| 2020 Honda CR-V | $510 |
Honda Fit Insurance Cost
The average cost of insuring a Honda Fit across all model years, is $1,185 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2021 Honda Fit | $2,895 |
| 2020 Honda Fit | $792 |
| 2019 Honda Fit | $648 |
| 2018 Honda Fit | $774 |
| 2017 Honda Fit | $803 |
Honda HR-V Insurance Cost
The average cost of insuring a Honda HR-V across all model years, is $756 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Honda HR-V | $792 |
| 2023 Honda HR-V | $724 |
| 2022 Honda HR-V | $773 |
| 2021 Honda HR-V | $708 |
| 2020 Honda HR-V | $786 |
Honda Insight Insurance Cost
The average cost of insuring an Honda Insight across all model years, is $995 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2022 Honda Insight | $1,018 |
| 2021 Honda Insight | $1,087 |
| 2020 Honda Insight | $878 |
| 2019 Honda Insight | $805 |
| 2014 Honda Insight | $988 |
Honda Odyssey Insurance Cost
The average cost of insuring a Honda Odyssey across all model years, is $940 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Honda Odyssey | $1,478 |
| 2023 Honda Odyssey | $831 |
| 2022 Honda Odyssey | $835 |
| 2021 Honda Odyssey | $878 |
| 2020 Honda Odyssey | $680 |
Honda Passport Insurance Cost
The average cost of insuring a Honda Passport across all model years, is $1,110 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Honda Passport | $1,545 |
| 2023 Honda Passport | $1,551 |
| 2022 Honda Passport | $905 |
| 2021 Honda Passport | $843 |
| 2020 Honda Passport | $707 |
Honda Pilot Insurance Cost
The average cost of insuring a Honda Pilot across all model years, is $967 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Honda Pilot | $1,318 |
| 2023 Honda Pilot | $1,199 |
| 2022 Honda Pilot | $715 |
| 2021 Honda Pilot | $741 |
| 2020 Honda Pilot | $865 |
Honda Ridgeline Insurance Cost
The average cost of insuring a Honda Ridgeline across all model years, is $885 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 Honda Ridgeline | $1,282 |
| 2022 Honda Ridgeline | $707 |
| 2021 Honda Ridgeline | $862 |
| 2020 Honda Ridgeline | $759 |
| 2019 Honda Ridgeline | $669 |
Cheapest Car Insurance Companies For Hondas
The cost of your Honda car insurance policy will depend on the company that you choose. Auto-Owners offers the cheapest rates for insuring a Honda, at $1,500 per year.
Use the table below to compare cheap full-coverage rates for a Honda.
| Company | Average Annual Premium |
| Auto-Owners | $1,500 |
| Progressive | $1,870 |
| USAA | $1,907 |
| Geico | $1,915 |
| Erie | $1,955 |
Honda Car Insurance Cost – By Driver Age
The rates you pay to insure a Honda will differ dramatically based on driver age. Younger drivers tend to pay a lot more for car insurance because, statistically, they are much more likely to get into accidents.
As drivers get older, their insurance rates tend to drop until they turn about 60-70. Then their rates increase again.
| 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 |
Average Honda Car Insurance Rates – By Company
| Insurance Provider | Average Monthly Premium |
| GEICO | $125 |
| State Farm | $137 |
| Progressive | $155 |
| Allstate | $165 |
Average Honda Car Insurance Rates – 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:
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.
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.
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.
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.
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.
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.
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.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results
FAQs
What Is The Most Expensive Honda Model To Insure?
At $2,844 per year, the Honda Clarity is the most expensive Honda model for car insurance.
What Is The Cheapest Honda Model To Insure?
The Honda CR-V is the cheapest model for car insurance, at $1,880 per year.
