Car insurance for Hondas

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Although all drivers have to carry car insurance to operate their vehicles on the road, not all insurance policies are the same. The national average premium for full coverage insurance is $1,674 per year, but your rate will be determined based on a variety of factors including your age, gender (in most states), location, insurance history, driving record and vehicle type. When you get a quote for insurance, it should be uniquely tailored to your individual needs – which includes the type of car you drive.

Honda drivers should be aware that vehicle statistics for each model can influence the rate of your insurance policy. In other words, if one model is statistically less involved in accidents or is deemed safer than another model, you may save on your insurance rates. We have evaluated insurance costs from Quadrant Information Services for some popular Honda models to help you determine which company and vehicle might be right for you.

How much does it cost to insure a Honda?

Every car insurance company calculates rates differently based on a unique set of risk factors. Although demographics like your age, location and driving record play a huge role in determining premium rate at every company, your vehicle make and model can also drive premium costs to differ greatly among each insurance provider. Although the national average for full coverage is about $1,674 annually, your individual Honda could make your premium much lower or much higher due to the following factors:

  • Price of parts: Car insurance companies want to pay out as little as they can in the long run when there is a claim. If your individual Honda model is notorious for needing expensive parts and labor, a car insurance company may calculate a higher premium to offset any potential future repair costs.
  • Safety features: A vehicle with top-of-the-line safety features will usually result in a better insurance rate because a car insurance company assumes it may pay less in damages if there is ever a future claim. Although your individual 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 are rear-view cameras, vehicle stability systems, collision braking systems, lane assists and safety restraints.

Car insurance for Honda: by model

Based on quotes obtained from Quadrant Information Services, the Honda CR-V has the lowest annual average price for full coverage car insurance. The Odyssey and Pilot round out the top three Honda models with the cheapest full coverage premium on average from the best car insurance companies in the U.S. in 2021.

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

Cheapest car insurance companies for Honda Accord

The Accord is Honda’s mid-size sedan, starting at MSRP $24,970 and coming with the choice of the standard sedan or the hybrid model. Both models have four trim package options so you can get exactly what you want without compromising safety. The Honda Accord has a 5 star safety rating with the National Highway Traffic Safety Administration, which helps keep car insurance costs low. The cheapest rate for average annual minimum and full coverage car insurance is USAA. For drivers who do not meet the insurance company’s criteria for membership (USAA only serves military members, veterans and their immediate family members), Amica and Erie are the next cheapest choice for both types of coverage.

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

Cheapest car insurance companies for Honda Civic

The Honda Civic is the more economical sedan compared to the Accord, starting at $21,250 and offering four additional trim packages. The Civic won Kelley Blue Book’s 2020 Best Buy for Compact Car, offering Honda Sensing safety features and Collision Mitigation Braking System standard. For the Civic, USAA has the cheapest average annual minimum and full coverage rates. Amica and Erie are once again part of the top three for best cheap car insurance for the Honda Civic.

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

Cheapest car insurance companies for Honda CR-V

The Honda CR-V now comes in a hybrid option, with multiple trim packages for the standard compact SUV and hybrid model. The CR-V won KBB’s 2020 Best Buy for Compact SUV with a base price of $25,350. As for the average cost of car insurance per year for this car, USAA takes the top prize for cheapest minimum coverage but Geico has the lowest rates for full coverage. Erie and Geico are in the top three for minimum coverage while USAA and Amica are in the top three for full 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

Cheapest car insurance companies for Honda Odyssey

Honda’s only van option, the Odyssey, starts at $32,090 with four optional trim packages. The Odyssey also won the 2020 KBB award for Best Buy Minivan, making the Odyssey a great option for those who need the extra room. USAA has the cheapest average annual rates for minimum liability but Amica’s rates are cheapest for full coverage on the Odyssey. Geico and Erie tie for second for minimum coverage while Erie and USAA are next in line for the cheapest rates for full coverage car insurance per year.

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

Cheapest car insurance companies for Honda Pilot

The Honda Pilot SUV has third row seating for drivers who do not want a minivan but need the extra seat space for the family. Starting at $32,550, the Pilot has six optional trim packages – more than any other Honda – and provides the option for all-wheel drive. The Pilot also has a 5-star safety rating with the NHTSA. For minimum liability coverage, the average annual premium is cheapest with USAA, followed by Erie and Geico. For full coverage, Amica’s average annual rates are the cheapest, with USAA and Erie following close behind.

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

Cheapest car insurance companies for Honda Ridgeline

The Honda Ridgeline, beginning at $36,490, is Honda’s only option if you prefer a pickup truck. With three trim packages to choose from and all-wheel drive standard on all trims, including the base model, the Ridgeline also includes a 5-star safety rating with the NHTSA which may help keep car insurance costs low. USAA has the cheapest average per year minimum liability coverage rates, followed by Amica and GEICO. For the average cost of full coverage per year, Geico is the cheapest, followed by USAA 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

Honda features that impact insurance costs

Compared to other vehicle types, Hondas may have unique features that impact insurance costs. Although newer Hondas may cost more to repair due to added technology features, these same features could make your vehicle safer on the road. The following features could improve your insurance rates:

  • Anti-lock brakes & brake assist: These braking safety features are designed to prevent a serious accident due to over-correction of braking or not braking in time. If your Honda has these braking features, your insurance company may determine you are less likely to get into an accident.
  • Lane departure warning: This safety feature is designed to alert drivers they have drifted over their lane. Sideswiping another vehicle is a common cause for motor vehicle accidents so your insurance company may see this feature as something that could prevent a claim payout in the future.
  • Side airbags: Car insurance companies are not only looking for features that could prevent accidents altogether but also features that could reduce injuries if an accident did occur. Side airbags help protect passengers in your vehicle, especially during a side impact crash, and may be a common feature in the larger Hondas with plenty of passenger seating.

Other car insurance coverage for Honda

Though it can be tempting to get the cheapest coverage available to satisfy the state, it is important to get the best coverage for you, even if it is not the cheapest price. With higher liability limits, you are protecting your finances if you cause an accident resulting in injuries to others or property damage.

You never know what can happen the next time you drive down the road, so be smart about your coverages. With only liability limits mandated in many states, most other coverages are considered optional. If you finance or lease your new Honda, the lender may have its own requirements you must meet. Consider these optional, but important, coverages for your Honda car insurance:

  • Comprehensive: This coverage protects against weather damage, if you hit an animal, broken glass, including windows, theft of the vehicle and vandalism. If you do not want to self insure for these types of claims, it may be worth it to have comprehensive coverage.
  • Collision: Usually bought with comprehensive, collision coverage is what pays when you cause an accident and there is damage to your car. If you happen to total your Honda, the collision coverage will pay the book value, minus your deductible.
  • Gap insurance: It’s no secret that a car’s value goes down as soon as you drive it off the lot. With gap insurance, if your Honda is totaled in an accident and it’s not worth as much as you owe, this coverage will pay your lender to fill the gap, so you don’t have to pay out of pocket.
  • Medical payments/Personal Injury Protection: Some states require medical car insurance coverage, and for good reason. If you’re injured in an accident and can’t work, you can have your medical bills and lost wages paid for, up to the limit you choose, regardless of who is at fault in the accident.
  • Uninsured/underinsured motorist: With this coverage, you’re protected if someone hits you and doesn’t have any insurance or doesn’t have enough to pay for your injuries or vehicle damage. Hit-and-runs are also covered under uninsured motorist coverage, making it a worthwhile additional coverage to consider to protect your Honda.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $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

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers commute five days a week, drive 12,000 miles annually and were evaluated using the following cars:

  • 2019 Honda Accord
  • 2019 Honda Civic
  • 2019 Honda CR-V
  • 2019 Honda Odyssey
  • 2019 Honda Pilot
  • 2019 Honda Ridgeline

These are sample rates and should only be used for comparative purposes.

Written by
Jessie See
Insurance Contributor
Jessie See has a year of experience writing for Bankrate.com, Reviews.com and other insurance domains. She has covered topics ranging from auto and homeowner’s insurance to life insurance. She has been writing professionally for over a decade with experience in a variety of different topics and industries. Prior to becoming an insurance writer, she worked as a legal assistant in the field of personal injury law and as a licensed sales producer at various insurance agencies.
Edited by
Insurance Editor