Honda Element LX 4WD Insurance Rates

The average insurance rates for a Honda Element LX 4WD are $1,282 a year including full coverage. Comprehensive insurance costs around $284, collision insurance costs $476, and liability costs around $364. Buying just liability costs as low as $430 a year, and insurance for high-risk drivers costs $2,758 or more. Teen drivers cost the most to insure at up to $4,762 a year.

Annual premium for full coverage: $1,282

Policy rates for type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Honda Element Trim Level

These price differences highlight why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Insurance rates for a Honda Element LX 4WD also range considerably based on your risk profile, the replacement cost of your Element, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $4,700 a year. View Rates by Age

Your home state has a huge impact on Honda Element LX 4WD insurance prices. A driver around age 40 might see rates as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $510 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be as much as 44% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates will be varied from one company to the next.

View Chart as Image

The chart above shows average Honda Element LX 4WD insurance rates for various risk profiles and scenarios. The best rate after discounts is $748. Drivers who choose higher $1,000 deductibles will pay around $1,110. The average rate for a driver age 40 with no violations using $500 deductibles is $1,282. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,618. High risk drivers could be charged around $2,758. The price for full coverage for a 16-year-old driver can be as high as $4,762.

View Chart as Image