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.

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Updated: 17 February 2025
Written by Bob Phillips
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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

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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

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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

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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.

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.

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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.

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