Honda Ridgeline Car Insurance Cost 2025
On average, insuring a Honda Ridgeline costs around $412 per year. However, the exact cost can vary depending on factors like your age, the model year of the vehicle, and other personal details. To get a more precise estimate, refer to the quote tables below and consider how these factors may influence your premium.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Honda Ridgeline, you’ll need to consider the cost of insurance. On average, insurance for a Honda Ridgeline costs $412 per year. Insurance is a significant aspect of owning a car, and it’s important to understand its implications before making a purchase.
Choosing the right car insurance policy is crucial to avoid unexpected and potentially costly situations in the future. You wouldn’t want to be caught without adequate coverage in the event of an accident, facing significant out-of-pocket expenses. Additionally, there’s the possibility of facing higher premiums if you’re found at fault.
With over ten years of experience analyzing car insurance rates, I’ve noticed how much these costs can vary. Factors such as your age, driving record, and even your location can greatly impact your insurance premiums.
How Much Does Honda Ridgeline Car Insurance Cost?
Honda Ridgeline drivers typically pay an average of $412 annually for car insurance. However, the exact rate can vary based on individual factors like driving history, location, and coverage options.
The cost of car insurance for a Honda Ridgeline varies significantly due to several factors, such as your location, driving history, the car’s model year, and the coverage options you select. Maintaining a clean driving record can help lower your premiums, while a history of accidents or traffic violations may increase your costs. Urban areas with heavy traffic typically have higher insurance rates compared to rural locations with less congestion. Additionally, opting for comprehensive insurance, which includes both comprehensive and collision coverage, will generally cost more than minimum liability coverage.
Interestingly, the average insurance cost for a Honda Ridgeline is lower than the average for all Honda models and significantly lower than the average for all vehicles. For personalized assistance, Insuranceopedia can help you compare quotes from various auto insurance providers to find the best deal.
| Vehicle | Average Monthly Premium |
| Honda Ridgeline | $128 |
| All Honda | $165 |
| All Cars | $175 |
Average Insurance Cost Of Honda Ridgeline By Model Year
| Model Year | Average Premium |
| 2023 Honda Ridgeline | $1,283 |
| 2022 Honda Ridgeline | $701 |
| 2021 Honda Ridgeline | $863 |
| 2020 Honda Ridgeline | $760 |
| 2019 Honda Ridgeline | $669 |
| 2018 Honda Ridgeline | $928 |
| 2017 Honda Ridgeline | $711 |
| 2015 Honda Ridgeline | $1,073 |
| 2014 Honda Ridgeline | $688 |
| 2013 Honda Ridgeline | $585 |
| 2012 Honda Ridgeline | $527 |
| 2011 Honda Ridgeline | $640 |
| 2010 Honda Ridgeline | $585 |
2023 Honda Ridgeline Insurance Rates
The average annual insurance cost for a 2023 Honda Ridgeline Car is $1,710. However, Direct Auto offers the cheapest rates, averaging $416 per year.
| Insurance Provider | Average Annual Cost |
| National General | $1,514 |
| Nationwide | $1,212 |
| New York Central Mutual Fire | $1,563 |
| Direct Auto | $416 |
| AssuranceAmerica Economy | $1,227 |
| Safeco | $412 |
| 21st Century | $1,597 |
| AssuranceAmerica Elite | $1,570 |
| Travelers | $1,579 |
| USAA | $1,738 |
2022 Honda Ridgeline Insurance Rates
The average annual insurance cost for a 2022 Honda Ridgeline Car is $701. However, Safeco offers the cheapest rates, averaging $288 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $657 |
| Mercury Insurance | $520 |
| Dairyland | $456 |
| Frankenmuth Mutual | $1,040 |
| Safeco | $288 |
| Rockford Mutual Insurance | $927 |
| Rural Mutual Insurance | $758 |
| Buckeye Insurance Group | $920 |
| Hastings Mutual Insurance Co | $670 |
| Pekin Insurance | $771 |
2021 Honda Ridgeline Insurance Rates
The average annual insurance cost for a 2021 Honda Ridgeline Car is $863. However, Safeco offers the cheapest rates, averaging $288 per year.
| Insurance Provider | Average Annual Cost |
| Quincy Mutual | $992 |
| AssuranceAmerica Economy | $1,101 |
| Norfolk and Dedham Group | $846 |
| Safety Group | $859 |
| National Grange Mutual | $829 |
| Hastings Mutual Insurance Co | $904 |
| Safeco | $123 |
| New Jersey Manufacturers | $1,097 |
| Wolverine Mutual | $846 |
| SECURA Insurance | $1,032 |
2020 Honda Ridgeline Insurance Rates
The average annual insurance cost for a 2020 Honda Ridgeline Car is $760. However, Victoria offers the cheapest rates, averaging $445 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $873 |
| North Carolina Farm Bureau | $777 |
| Hastings Mutual Insurance Co | $975 |
| Safeco | $628 |
| Victoria | $445 |
| New York Central Mutual Fire | $625 |
| Rockford Mutual Insurance | $881 |
| West Bend Mutual | $1,001 |
| Dairyland Broadform | $511 |
| Texas Farm Bureau Group | $882 |
2019 Honda Ridgeline Insurance Rates
The average annual insurance cost for a 2019 Honda Ridgeline Car is $669. However, Mercury Insurance offers the cheapest rates, averaging $482 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica | $755 |
| Buckeye Insurance Group | $791 |
| AssuranceAmerica Mobile Max | $736 |
| American National P | $552 |
| Kemper Auto | Infinity | $495 |
| Pekin Insurance | $641 |
| Virginia Farm Bureau | $697 |
| Indiana Farmers Mutual Ins | $742 |
| Mercury Insurance | $482 |
| North Carolina Farm Bureau | $802 |
2018 Honda Ridgeline Insurance Rates
The average annual insurance cost for a 2018 Honda Ridgeline Car is $928. However, IMT Insurance Company offers the cheapest rates, averaging $873 per year.
| Insurance Provider | Average Annual Cost |
| Hastings Mutual Insurance Co | $697 |
| Cameron Mutual Group | $997 |
| Safeco | $947 |
| North Carolina Farm Bureau | $779 |
| Farm Bureau Mutual (IA Group) | $949 |
| Pekin Insurance | $949 |
| Clearcover | $1,026 |
| GMAC Insurance Group | $972 |
| IMT Insurance Company | $873 |
| Allied | $1,089 |
2017 Honda Ridgeline Insurance Rates
The average annual insurance cost for a 2017 Honda Ridgeline Car is $711. However, Safeco offers the cheapest rates, averaging $536 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $632 |
| Capital Insurance Group | $693 |
| NatGen PPA | $654 |
| AssuranceAmerica | $848 |
| Mutual Of Enumclaw | $782 |
| Safeco | $536 |
| PEMCO | $684 |
| National General Value | $597 |
| Oregon Mutual | $914 |
| Mercury Insurance | $771 |
Find Affordable Honda Ridgeline Insurance Rates
2015 Honda Ridgeline Insurance Rates
The average annual insurance cost for a 2015 Honda Ridgeline Car is $1,073. However, Metropolitan offers the cheapest rates, averaging $644 per year.
| Insurance Provider | Average Annual Cost |
| Metropolitan | $644 |
| Nationwide | $1,063 |
| Hanover | $1,233 |
| Travelers | $1,229 |
| Farmers | $1,198 |
2014 Honda Ridgeline Insurance Rates
The average annual insurance cost for a 2014 Honda Ridgeline Car is $688. However, Wolverine Mutual offers the cheapest rates, averaging $551 per year.
| Insurance Provider | Average Annual Cost |
| Safety Group | $740 |
| AssuranceAmerica Mobile Max | $745 |
| Western Reserve | $909 |
| SECURA Insurance | $558 |
| GMAC Insurance Group | $753 |
| Buckeye Insurance Group | $593 |
| American National P | $720 |
| AssuranceAmerica | $692 |
| Wolverine Mutual | $551 |
| North Carolina Farm Bureau | $617 |
2013 Honda Ridgeline Insurance Rates
The average annual insurance cost for a 2013 Honda Ridgeline Car is $585. However, Pekin Insurance offers the cheapest rates, averaging $511 per year.
| Insurance Provider | Average Annual Cost |
| Rural Mutual Insurance | $619 |
| Pekin Insurance | $511 |
| Mississippi Farm Bureau | $712 |
| West Bend Mutual | $572 |
| SECURA Insurance | $580 |
| Buckeye Insurance Group | $676 |
| Wolverine Mutual | $546 |
| Safeco | $437 |
| Rockford Mutual Insurance | $651 |
| Colorado Farm Bureau Mutual | $541 |
2012 Honda Ridgeline Insurance Rates
The average annual insurance cost for a 2012 Honda Ridgeline Car is $527. However, NatGen Value offers the cheapest rates, averaging $297 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $594 |
| NatGen Value | $279 |
| National General Value | $522 |
| Penn National | $492 |
| Dairyland Scored | $505 |
| NatGen Advantage | $653 |
| Liberty Mutual | $540 |
| Auto-Owners Insurance Co | $540 |
| SafeAuto | $573 |
| Hastings Mutual Insurance Co | $569 |
2011 Honda Ridgeline Insurance Rates
The average annual insurance cost for a 2011 Honda Ridgeline Car is $640. However, American National P offers the cheapest rates, averaging $382 per year.
| Insurance Provider | Average Annual Cost |
| Colorado Farm Bureau Mutual | $769 |
| Kentucky Farm Bureau | $761 |
| Southern Farm Bureau | $847 |
| Dairyland Auto | $415 |
| American National P | $382 |
| SECURA Insurance | $542 |
| Texas Farm Bureau Group | $698 |
| Wolverine Mutual | $603 |
| PEMCO | $702 |
| Safeco | $681 |
2010 Honda Ridgeline Insurance Rates
The average annual insurance cost for a 2010 Honda Ridgeline Car is $585. However, Safeco offers the cheapest rates, averaging $285 per year.
| Insurance Provider | Average Annual Cost |
| Westfield | $788 |
| Western Reserve | $552 |
| Frankenmuth Mutual | $642 |
| Country | $558 |
| Celina Insurance Group | $681 |
| NatGen PPA | $639 |
| Motorists Mutual | $617 |
| Buckeye Insurance Group | $403 |
| Ohio Mutual Ins Group | $684 |
| Safeco | $285 |
Find Affordable Honda Ridgeline Insurance Rates
Is A Honda Ridgeline Expensive To Insure?
Insuring a Honda Ridgeline typically costs less than the overall average for all vehicles. However, the exact premium you’ll pay depends on several factors, including your age, the age of your vehicle, your location, and additional personal details. These variables influence how insurers calculate your rates, so it’s essential to consider them when seeking the best deal.
Cost of Honda Ridgeline Car Insurance By Age
Age is a key factor in determining car insurance premiums for any vehicle. Teen drivers often face the highest rates because they are statistically more likely to be involved in accidents compared to other age groups. However, as drivers age and gain more experience on the road, their insurance premiums typically decrease, reflecting their reduced risk to insurers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,603 | $9,666 | $11,375 |
| 18 | $6,118 | $9,085 | $10,541 |
| 19 | $5,482 | $8,033 | $9,348 |
| 20 | $4,738 | $7,008 | $8,147 |
| 21 | $4,023 | $5,824 | $6,825 |
| 22 | $3,880 | $5,714 | $6,644 |
| 23 | $3,362 | $4,975 | $5,847 |
| 24 | $3,261 | $4,695 | $5,498 |
| 25 | $2,807 | $4,040 | $4,748 |
| 30 | $2,139 | $3,191 | $3,716 |
| 35 | $2,065 | $2,982 | $3,434 |
| 40 | $1,938 | $2,824 | $3,358 |
| 45 | $1,924 | $2,811 | $3,294 |
| 55 | $1,714 | $2,565 | $3,015 |
| 65 | $1,810 | $2,651 | $3,125 |
| 75 | $2,308 | $3,316 | $3,912 |
Honda Ridgeline Car Insurance Rates By State
Where you live plays a significant role in how insurance companies calculate rates. Each state regulates its own auto insurance; for example, Michigan drivers tend to pay higher premiums because the state mandates higher levels of coverage. Additionally, each location has a unique climate. Some states experience extreme weather, such as hurricanes, storms, and flooding.
Moreover, each area has its own statistics on crime and auto accidents, including car thefts, crashes, and vehicle fatality rates. Insurance companies consider all of these factors when calculating your exact Honda Ridgeline insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,088 | $3,012 | $3,812 |
| Alaska | $1,739 | $2,367 | $2,343 |
| Arizona | $1,901 | $2,787 | $4,075 |
| Arkansas | $2,107 | $3,294 | $3,654 |
| California | $2,344 | $4,126 | $2,391 |
| Colorado | $2,172 | $3,061 | $3,925 |
| Connecticut | $2,844 | $4,395 | $5,529 |
| Delaware | $2,325 | $3,126 | $3,935 |
| Florida | $2,790 | $3,812 | $5,020 |
| Georgia | $2,306 | $3,412 | $3,370 |
| Hawaii | $859 | $1,245 | $859 |
| Idaho | $1,569 | $2,061 | $2,491 |
| Illinois | $1,618 | $2,458 | $2,789 |
| Indiana | $1,671 | $2,554 | $2,891 |
| Iowa | $1,380 | $1,877 | $2,151 |
| Kansas | $1,781 | $2,582 | $3,021 |
| Kentucky | $2,614 | $3,809 | $4,414 |
| Louisiana | $3,288 | $4,974 | $5,413 |
| Maine | $1,200 | $1,704 | $2,511 |
| Maryland | $2,039 | $2,901 | $3,277 |
| Massachusetts | $1,649 | $2,851 | $1,592 |
| Michigan | $3,907 | $5,959 | $9,392 |
| Minnesota | $1,609 | $2,164 | $3,015 |
| Mississippi | $1,929 | $2,748 | $2,743 |
| Missouri | $1,807 | $2,577 | $3,431 |
| Montana | $1,815 | $2,618 | $2,988 |
| Nebraska | $1,555 | $2,289 | $2,573 |
| Nevada | $2,633 | $3,891 | $4,038 |
| New Hampshire | $1,794 | $2,867 | $3,608 |
| New Jersey | $1,999 | $3,087 | $4,058 |
| New Mexico | $2,071 | $2,992 | $3,105 |
| New York | $1,846 | $2,346 | $3,970 |
| North Carolina | $1,156 | $1,992 | $1,430 |
| North Dakota | $1,547 | $2,454 | $2,879 |
| Ohio | $1,425 | $2,200 | $2,288 |
| Oklahoma | $2,225 | $3,294 | $3,669 |
| Oregon | $2,023 | $2,760 | $3,307 |
| Pennsylvania | $1,751 | $2,555 | $2,993 |
| Rhode Island | $2,904 | $4,268 | $4,845 |
| South Carolina | $2,011 | $2,692 | $3,729 |
| South Dakota | $1,748 | $2,543 | $2,991 |
| Tennessee | $2,034 | $3,052 | $4,067 |
| Texas | $2,096 | $3,019 | $3,802 |
| Utah | $1,788 | $2,469 | $3,420 |
| Vermont | $1,360 | $2,109 | $2,206 |
| Virginia | $1,298 | $1,954 | $1,907 |
| Washington | $1,702 | $2,359 | $2,786 |
| West Virginia | $1,746 | $2,495 | $3,096 |
| Wisconsin | $1,697 | $2,687 | $3,016 |
| Wyoming | $1,642 | $2,195 | $2,407 |
Find Affordable Honda Ridgeline Insurance Rates
Cheapest Car Insurance Companies For A Honda Ridgeline
If you’re in the market for a new car insurance policy for your Honda Ridgeline, identifying the cheapest providers is essential. For drivers seeking the most affordable option, MetroMile offers an average premium of $24 per month, making it the least expensive choice for this vehicle. However, keep in mind that insurance rates vary based on your unique driver profile. To ensure you find the best rates tailored to your needs, it’s highly recommended to shop around and compare quotes from multiple providers.
| Company | Average Monthly Rate |
| MetroMile | $24 |
| Dairyland | $29 |
| MetLife | $37 |
| Plymouth Rock | $40 |
| Clearcover | $42 |
Common Honda Ridgeline Insurance Discounts
Discounts are an excellent way to reduce your car insurance expenses. While specific discounts vary by provider, there are several common options you may qualify for:
- Multi-policy: Bundling your home and auto insurance policies with the same provider often results in a discounted rate.
- Pay annually: Paying your premium in a single lump sum instead of monthly installments can save you money.
- Defensive driving: Completing a defensive driving course from a certified institution can make you eligible for discounted rates.
Additionally, other discounts might apply to your situation. It’s best to consult your insurance agent, as they can identify and recommend discounts tailored to your eligibility.
Ways To Save On Honda Ridgeline Insurance Costs
Maintaining a clean driving record is one of the most effective ways to lower your Honda Ridgeline insurance costs. Speeding tickets or accidents can significantly increase premiums. For example, Honda Ridgeline drivers with a ticket on their record pay an average of $65 per month, while those with multiple accidents may pay $117 per month. Avoiding these incidents helps keep your rates manageable.
Additionally, low annual mileage can reduce insurance costs. Drivers who cover 2,501–5,000 miles annually pay around $64 per month, whereas those driving over 10,000 miles per year pay approximately $68 per month. Being a lower-risk driver due to less time on the road can lead to notable savings.
Compare Honda Ridgeline To Other Honda Models
Looking for other Honda model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia collected thousands of quotes from top auto insurance providers. The sample profile used for this analysis was based on a 40-year-old male driver purchasing full-coverage car insurance with the following limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it’s important to note that the figures provided in this guide may vary depending on your individual circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Honda Ridgeline?
Yes, you will need to provide proof of insurance before you can drive your Honda Ridgeline out of the dealership. The best thing to do is buy a policy and then let your insurance company know that you are about to buy your car, instead of getting insurance through your dealership.
How Can You Get The Cheapest Insurance For Your Honda Ridgeline?
The best way to find the cheapest rates for your Honda Ridgeline is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia offers a platform where you can compare quotes from multiple providers, all in one place, making it easier for you to find the best deal for your needs.
