According to Edmunds, in 2021, the CR-V and Civic made the top 10 list for most cars sold in the United States. As with other popular models like the Accord and Odyssey, both models have been around for decades. You should include the cost of honda auto insurance in your budget when purchasing a Honda, or any other vehicle. To operate a vehicle on the road, nearly all drivers must carry car insurance. However, not all policies are the same.
Depending on the model of the Honda car you buy, you may pay a higher or lower premium for full coverage honda auto insurance. Also, your driving record, ZIP code, and claims history affect the cost of your premium. To help you choose the right company and vehicle, Bankrate reviewed insurance cost data from Quadrant Information Services for some of the most popular Honda models.
Honda Insurance Costs: How Much Does It Cost?
Rates are calculated differently by each car insurance company based on a unique set of risk factors. In addition to demographic factors such as age, location, and driving record, your vehicle makes and model can also greatly influence premium costs among different insurance companies. Despite the national average of $1,674 for full coverage, your individual Honda could make your premium much higher or lower due to the following factors:
- Price of parts: Insurance companies calculate car insurance rates by factoring in the cost of repairing the vehicle, including parts. A car insurance company may factor in the cost of parts and labor if your Honda model requires expensive parts or labor, leading to a higher premium.
- Safety features: A vehicle with top-of-the-line safety features will typically have a lower insurance rate because an insurance company assumes it may pay less in damages in the event of a future claim. Although your safety features will vary based on the year and model of your Honda, some common safety features in Hondas that may improve your insurance rates include rear-view cameras, vehicle stability systems, collision braking systems, lane assistance, and safety restraints.
Honda Car Insurance: Model-By-Model
According to quotes obtained from Quadrant Information Services, the Honda CR-V has the lowest annual average price for full coverage car insurance. According to the top U.S. car insurance companies in 2022, the Odyssey and Pilot have the lowest full coverage premiums.
| Honda Car Insurance | Average annual full coverage premium |
|---|---|
| Honda Accord | $1,733 |
| Honda Civic | $1,733 |
| Honda CR-V | $1,369 |
| Honda Odyssey | $1,454 |
| Honda Pilot | $1,469 |
| Honda Ridgeline | $1,520 |
Honda Accord Car Insurance Companies With The Lowest Rates
Honda’s Accord mid-size sedan starts at $26,120 with a choice of a standard sedan or hybrid. With five trim package options for the sedan and four for the hybrid, you can customize your vehicle without compromising safety. According to the National Highway Traffic Safety Administration, the Honda Accord has a 5-star safety rating. The cheapest insurance company for comprehensive coverage is USAA. The next cheapest options for drivers who do not fit USAA’s membership criteria (USAA only serves military members, veterans, and their immediate families) are Amica and Erie.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $333 | $1,165 |
| Geico | $375 | $1,383 |
| State Farm | $464 | $1,406 |
| Erie | $368 | $1,318 |
| Amica | $356 | $1,358 |
Honda Civic Car Insurance Companies With The Lowest Rates
With a starting price of $22,350 and four trim package options to choose from, the Civic is the more economical sedan compared to the Accord. With Honda Sensing safety features and Collision Mitigation Braking System standard, the Civic won the IIHS Top Safety Pick and Pick+ in 2021. In terms of average annual rates for full coverage, USAA has the lowest rates for the Civic. In terms of cheap car insurance for the Honda Civic, Amica and Erie are once again in the top three.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $333 | $1,170 |
| Geico | $376 | $1,388 |
| State Farm | $464 | $1,406 |
| Erie | $368 | $1,319 |
| Amica | $356 | $1,358 |
There are multiple trim packages available for the standard compact SUV and hybrid model of the Honda CR-V. In 2021, the CR-V won U.S. News & World Report’s Best Compact SUV for the Money Award. On average, USAA has the lowest rates for minimum coverage for this car, while Geico has the lowest rates for full coverage. USAA and Amica are in the top three for full coverage, while Erie and Geico are in the top three for minimum coverage.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $343 | $1,054 |
| Geico | $369 | $1,033 |
| State Farm | $431 | $1,229 |
| Erie | $367 | $1,134 |
| Amica | $416 | $1,098 |
Honda Odyssey Car Insurance Quotes From The Cheapest Companies
The Odyssey is Honda’s only van option, starting at $33,040 with four trim packages available. In addition, the Odyssey won the KBB’s Best Buy Minivan award in 2020, as well as U.S. News & World Report’s Best Minivan for the Money award in 2021. This makes it a wise choice for those who need extra space. In terms of minimum liability, USAA’s rates are the cheapest, but Amica’s are the cheapest for full coverage. As for the cheapest rates for full coverage honda auto insurance per year, Geico and USAA tie for second place.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $328 | $1,198 |
| Geico | $361 | $1,244 |
| State Farm | $450 | $1,325 |
| Erie | $361 | $1,144 |
| Amica | $396 | $1,138 |
Honda Pilot Insurance Companies With The Lowest Rates
Drivers who do not want a minivan but need the extra seating space for the family can choose the Honda Pilot SUV. There are six trim packages available for the Pilot, more than any other Honda, and it offers all-wheel drive as an option. NHTSA has also given the Pilot a 5-star safety rating. The average annual premium for minimum liability coverage is cheapest with USAA, followed by Erie and Geico. Amica has the cheapest average annual rates for full coverage, followed by USAA and Erie.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $347 | $1,160 |
| Geico | $370 | $1,224 |
| State Farm | $431 | $1,336 |
| Erie | $360 | $1,219 |
| Amica | $396 | $1,093 |
Honda Ridgeline Car Insurance Quotes From The Cheapest Companies
If you prefer a pickup truck, Honda’s only option is the Ridgeline, which begins at $37,640. In addition to offering three trim packages and all-wheel drive as standard on all models, the Ridgeline also has a 5-star safety rating with the NHTSA, which may help keep honda auto insurance costs low. USAA has the lowest average minimum liability coverage rates, followed by Amica and GEICO. Geico has the cheapest average cost of full coverage per year, followed by USA and Amica.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $342 | $1,138 |
| Geico | $389 | $1,113 |
| State Farm | $467 | $1,393 |
| Erie | $430 | $1,238 |
| Amica | $379 | $1,202 |
Insurance Costs Are Impacted By Honda Features
Hondas may have unique features that impact insurance costs when compared to other types of vehicles. Despite the fact that newer Hondas may cost more to repair due to their added technology features, these same features could make your vehicle safer on the road. Your insurance rates could be improved by the following features:
- Anti-lock brakes & brake assist: A braking safety feature prevents a serious accident from occurring due to overcorrection of braking or not braking in time. Insurance companies may determine that you are less likely to be involved in an accident if your Honda has these braking features.
- Lane departure warning: As soon as a driver drifts over their lane, this safety feature alerts them. Your insurance company may see this feature as something that could prevent a claim payout in the future if you sideswipe another vehicle.
- Side airbags: The insurance industry is not only looking for features that could prevent accidents, but also features that could reduce injuries in the event of an accident. It is common for Hondas with plenty of passenger space to have side airbags to protect passengers during side impact crashes, especially during side impact crashes.
Honda Car Insurance Coverage Other Than Collision And Comprehensive
While it may be tempting to get the cheapest coverage available to satisfy the state, getting the best coverage is more important, even if it is more expensive. Having higher liability limits protects your finances if you cause an accident that injures others or damages property.
Drive smart about your coverages, since you never know what can happen on the road. A majority of states only mandate liability limits, so most other coverages are optional. Lenders may have their own requirements if you finance or lease a new Honda. If you are shopping for Honda car insurance, you may want to consider the following optional coverages:
- Comprehensive: The coverage covers damage caused by weather, if you hit an animal, broken glass, including windows, theft, and vandalism. Having comprehensive coverage may be worth it if you do not wish to self-insure for these types of claims.
- Collision: Collision coverage pays when your car is damaged in an accident and you cause an accident. You will be paid the book value of your Honda minus your deductible if you total it.
- Gap insurance: As soon as you drive a car off the lot, its value drops. When your Honda is totaled in an accident and it’s not worth as much as you owe, gap insurance will pay your lender to fill the gap, so you don’t have to pay it out of pocket.
- Medical payments/Personal Injury Protection: There is a good reason why some states require medical car insurance coverage. Medical bills and lost wages can be covered if you’re injured in an accident and are unable to work, regardless of who is at fault.
- Uninsured/underinsured motorist: You’re covered if someone hits you and doesn’t have insurance or isn’t able to pay for the damage to your vehicle or your injuries. Uninsured motorist coverage also covers hit-and-runs, making it a worthwhile addition to your Honda coverage.
FAQs
Honda Insurance Costs How Much?
Depending on the model of your Honda and other personal factors, such as your age, driving history, and ZIP code, you will pay different insurance rates. The Honda Accord and Civic typically have the highest insurance premiums, while the Honda CR-V and Odyssey typically have the lowest. Compared to national averages, Honda car insurance premiums cost about $1,674 a year. Shopping around for insurance can help you save.
How Much Does Honda Car Insurance Cost?
Depending on the situation. A Honda’s insurance cost depends on a number of factors, including its model, trim package, safety features, and repair costs. Your personal factors, such as age, location, and driving history, will also affect your honda auto insurance premium. Insuring your Honda will likely cost more if you have been convicted of numerous traffic violations or DUIs.
What Is The Cost Of Insurance For A Honda Accord?
On a Honda Accord, full coverage honda auto insurance costs an average of $1,733 per year, or about $144 per month. Insuring your Honda Accord will cost you depending on several factors, including your coverage limits, your honda auto insurance company, and personal factors such as age, driving history, claims history, and ZIP code.
A Methodological Approach
Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. The quoted rates are based on a clean driving record, good credit, and full coverage limits of 40 years old for a male and female driver:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
Bankrate used minimum coverage limits determined by each state’s requirements to determine minimum coverage limits. The following cars were evaluated for our base profile drivers who commute five days a week, drive 12,000 miles annually, and commute five days a week:
- 2019 Honda Accord
- 2019 Honda Civic
- 2019 Honda CR-V
- 2019 Honda Odyssey
- 2019 Honda Pilot
- 2019 Honda Ridgeline
Only use these rates for comparative purposes since they are sample rates.
