Honda Element EX 4WD Insurance Rates
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Average insurance rates for a Honda Element EX 4WD are $1,328 a year for full coverage insurance. Comprehensive costs around $298 each year, collision costs $508, and liability coverage costs around $364. Just liability insurance costs as low as $430 a year, with coverage for high-risk drivers costing around $2,858. Teen drivers receive the highest rates at $4,906 a year or more.
Annual premium for full coverage: $1,328
Rate estimates for individual coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Honda Element Trim Level
For a 40-year-old driver, prices go from the low end price of $430 for a discount liability-only rate to a high rate of $2,858 for high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than larger metro areas.
The graphic below illustrates how your location can change auto insurance rates.
These differences illustrate why all drivers should compare prices for a specific zip code, rather than using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap Honda Element EX 4WD Insurance
Insurance prices for a Honda Element EX 4WD can also vary considerably based on the actual cash value of your Element, your age and driving record, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are probably paying at least $1,600 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be around 43% to 135% more than average. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,900 a year. View Rates by Age
Where you live has a huge impact on Honda Element EX 4WD insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.
Choosing high deductibles could cut prices by as much as $540 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit
With so much variability in prices, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and rates can be significantly different.
The chart estimates Honda Element EX 4WD insurance prices for different risks and coverage choices. The cheapest price with discounts is $769. Drivers who choose higher $1,000 deductibles will pay $1,146. The average price for a driver age 40 with no violations using $500 deductibles is $1,328. Using lower $100 deductibles for physical damage coverage could cost up to $1,684. High risk drivers could be charged as much as $2,858. The policy rate for full coverage insurance for a 16-year-old driver can be as high as $4,906.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,202 | -$126 | -9.5% |
Alaska | $1,020 | -$308 | -23.2% |
Arizona | $1,104 | -$224 | -16.9% |
Arkansas | $1,328 | -$0 | 0.0% |
California | $1,514 | $186 | 14.0% |
Colorado | $1,272 | -$56 | -4.2% |
Connecticut | $1,366 | $38 | 2.9% |
Delaware | $1,504 | $176 | 13.3% |
Florida | $1,664 | $336 | 25.3% |
Georgia | $1,228 | -$100 | -7.5% |
Hawaii | $954 | -$374 | -28.2% |
Idaho | $898 | -$430 | -32.4% |
Illinois | $988 | -$340 | -25.6% |
Indiana | $1,002 | -$326 | -24.5% |
Iowa | $898 | -$430 | -32.4% |
Kansas | $1,264 | -$64 | -4.8% |
Kentucky | $1,814 | $486 | 36.6% |
Louisiana | $1,966 | $638 | 48.0% |
Maine | $820 | -$508 | -38.3% |
Maryland | $1,096 | -$232 | -17.5% |
Massachusetts | $1,062 | -$266 | -20.0% |
Michigan | $2,308 | $980 | 73.8% |
Minnesota | $1,112 | -$216 | -16.3% |
Mississippi | $1,592 | $264 | 19.9% |
Missouri | $1,180 | -$148 | -11.1% |
Montana | $1,428 | $100 | 7.5% |
Nebraska | $1,048 | -$280 | -21.1% |
Nevada | $1,594 | $266 | 20.0% |
New Hampshire | $958 | -$370 | -27.9% |
New Jersey | $1,486 | $158 | 11.9% |
New Mexico | $1,176 | -$152 | -11.4% |
New York | $1,400 | $72 | 5.4% |
North Carolina | $766 | -$562 | -42.3% |
North Dakota | $1,088 | -$240 | -18.1% |
Ohio | $916 | -$412 | -31.0% |
Oklahoma | $1,366 | $38 | 2.9% |
Oregon | $1,218 | -$110 | -8.3% |
Pennsylvania | $1,266 | -$62 | -4.7% |
Rhode Island | $1,772 | $444 | 33.4% |
South Carolina | $1,204 | -$124 | -9.3% |
South Dakota | $1,120 | -$208 | -15.7% |
Tennessee | $1,164 | -$164 | -12.3% |
Texas | $1,602 | $274 | 20.6% |
Utah | $986 | -$342 | -25.8% |
Vermont | $910 | -$418 | -31.5% |
Virginia | $796 | -$532 | -40.1% |
Washington | $1,026 | -$302 | -22.7% |
West Virginia | $1,218 | -$110 | -8.3% |
Wisconsin | $920 | -$408 | -30.7% |
Wyoming | $1,184 | -$144 | -10.8% |
Rate Tables and Charts
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Choose a different trim level below
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,906 |
20 | $3,050 |
30 | $1,386 |
40 | $1,328 |
50 | $1,212 |
60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,684 |
$250 | $1,520 |
$500 | $1,328 |
$1,000 | $1,146 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,328 |
50/100 | $1,401 |
100/300 | $1,492 |
250/500 | $1,728 |
100 CSL | $1,437 |
300 CSL | $1,637 |
500 CSL | $1,783 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,992 |
20 | $4,842 |
30 | $2,922 |
40 | $2,858 |
50 | $2,728 |
60 | $2,700 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $70 |
Multi-vehicle | $68 |
Homeowner | $19 |
5-yr Accident Free | $97 |
5-yr Claim Free | $85 |
Paid in Full/EFT | $61 |
Advance Quote | $65 |
Online Quote | $94 |
Total Discounts | $559 |
Discounts are estimated and may not be available from every company or in every state.
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