Honda Element Insurance Rates
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UPDATED: Jun 1, 2024
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How much is full insurance coverage per month for a Honda Element? The average Honda Element auto insurance policy costs $93 a month, or $1,124 a year. Read on to learn what drivers can do to save on Honda Element insurance rates and other vehicles.
To start comparison shopping for Honda Element insurance rates, enter your ZIP code in our free tool above.
Estimated insurance rates for a Honda Element are $1,030 a year for full coverage. Comprehensive costs on average $166, collision insurance costs $228, and liability insurance is $478. Liability-only insurance costs around $526 a year, and high-risk driver insurance costs around $2,222. 16-year-old drivers pay the most at up to $4,154 a year.
Average premium for full coverage: $1,030
Premium estimates by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for different Element trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Honda Element range from as low as $526 for minimum levels of liability insurance to a much higher rate of $2,222 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than congested cities. The price range example below illustrates how geographic area affects car insurance rates.
These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows average Honda Element insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $623
- Raising to $1,000 deductibles will save around $90 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,030
- Buying more expensive low deductibles will increase the cost to $1,202
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,222
- An auto insurance policy for full coverage for a teen driver with full coverage may cost $4,154
Insurance prices for a Honda Element also have a wide range based on your driving characteristics, the trim level of your Element, and policy deductibles and limits.
An older driver with no violations or accidents and high deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,100 a year. View Rates by Age
Where you choose to live also has a big influence on Honda Element insurance rates. A middle-age driver might find prices as low as $680 a year in states like Idaho, Maine, and Iowa, or at least $1,470 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $932 | -$98 | -9.5% |
| Alaska | $792 | -$238 | -23.1% |
| Arizona | $856 | -$174 | -16.9% |
| Arkansas | $1,030 | -$0 | 0.0% |
| California | $1,174 | $144 | 14.0% |
| Colorado | $984 | -$46 | -4.5% |
| Connecticut | $1,062 | $32 | 3.1% |
| Delaware | $1,166 | $136 | 13.2% |
| Florida | $1,290 | $260 | 25.2% |
| Georgia | $952 | -$78 | -7.6% |
| Hawaii | $740 | -$290 | -28.2% |
| Idaho | $698 | -$332 | -32.2% |
| Illinois | $768 | -$262 | -25.4% |
| Indiana | $776 | -$254 | -24.7% |
| Iowa | $694 | -$336 | -32.6% |
| Kansas | $982 | -$48 | -4.7% |
| Kentucky | $1,408 | $378 | 36.7% |
| Louisiana | $1,524 | $494 | 48.0% |
| Maine | $636 | -$394 | -38.3% |
| Maryland | $850 | -$180 | -17.5% |
| Massachusetts | $826 | -$204 | -19.8% |
| Michigan | $1,794 | $764 | 74.2% |
| Minnesota | $864 | -$166 | -16.1% |
| Mississippi | $1,236 | $206 | 20.0% |
| Missouri | $916 | -$114 | -11.1% |
| Montana | $1,108 | $78 | 7.6% |
| Nebraska | $814 | -$216 | -21.0% |
| Nevada | $1,236 | $206 | 20.0% |
| New Hampshire | $742 | -$288 | -28.0% |
| New Jersey | $1,154 | $124 | 12.0% |
| New Mexico | $912 | -$118 | -11.5% |
| New York | $1,086 | $56 | 5.4% |
| North Carolina | $594 | -$436 | -42.3% |
| North Dakota | $844 | -$186 | -18.1% |
| Ohio | $712 | -$318 | -30.9% |
| Oklahoma | $1,058 | $28 | 2.7% |
| Oregon | $944 | -$86 | -8.3% |
| Pennsylvania | $984 | -$46 | -4.5% |
| Rhode Island | $1,376 | $346 | 33.6% |
| South Carolina | $934 | -$96 | -9.3% |
| South Dakota | $870 | -$160 | -15.5% |
| Tennessee | $904 | -$126 | -12.2% |
| Texas | $1,244 | $214 | 20.8% |
| Utah | $766 | -$264 | -25.6% |
| Vermont | $706 | -$324 | -31.5% |
| Virginia | $618 | -$412 | -40.0% |
| Washington | $796 | -$234 | -22.7% |
| West Virginia | $944 | -$86 | -8.3% |
| Wisconsin | $714 | -$316 | -30.7% |
| Wyoming | $920 | -$110 | -10.7% |
Opting for high physical damage deductibles can reduce prices by up to $270 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,200 to $1,800 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Element LX 2WD | $1,008 | $84 |
| Honda Element LX 4WD | $1,008 | $84 |
| Honda Element EX 2WD | $1,030 | $86 |
| Honda Element EX 4WD | $1,030 | $86 |
| Honda Element SC 2WD | $1,030 | $86 |
Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Honda Element | $166 | $228 | $478 | $1,030 |
| 2010 Honda Element | $156 | $210 | $474 | $998 |
| 2008 Honda Element | $142 | $170 | $468 | $938 |
| 2006 Honda Element | $136 | $160 | $452 | $906 |
| 2005 Honda Element | $126 | $152 | $446 | $882 |
| 2004 Honda Element | $120 | $144 | $442 | $864 |
Rates are averaged for all Honda Element models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Honda Element Insurance
Finding better rates on Honda Element insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
The list below is a brief recap of the information presented in the illustrations above.
- Drivers can save as much as $120 per year just by shopping early and online
- Teenagers pay higher prices, as much as $346 per month including comprehensive and collision insurance
- Increasing policy deductibles can save around $250 each year
- High-risk drivers who tend to receive serious violations will pay on average $1,190 more each year for car insurance
- Drivers who require higher liability limits will pay around $530 each year to raise from 30/60 bodily injury limits to 250/500 limits
Shopping for Honda Element insurance rates is one of the best ways to reduce rates. It will also help you discover how much does a new Honda Element cost in comparison to an older model, such as a 2010 model.
To find rates on multiple Honda Element years, enter your ZIP code in our free tool below.
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What are the safety ratings of the Honda Element?
How much is insurance on a 2020 Honda Element? Good Honda Element safety ratings can help lower insurance costs, so a 2020 Honda Element with all the latest safety features and good crash test ratings may be cheaper to insure than an older model with poor safety features.
The Honda Element has some great safety features: 4-wheel anti-lock braking system (ABS), vehicle stability assist (VSA), side-impact door beams, and a tire pressure monitoring system. The Insurance Institute for Highway Safety (IIHS) also awarded the Honda Element with a 2011 Top Safety Pick award, as it tested well in the following crash tests:
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The video below shows an example of one of the Honda Element’s crash tests.
Honda Element Compared Against Other Vehicles in the Same Class
The Honda Element is classified as a small SUV, and SUVS are prone to having higher liability insurance losses. However, the IIHS does not have data on how the Honda Element’s liability losses compare to other small SUVs. To see how other small SUVs’ rates compare to the Honda Elements’ rates, take a look at the list below.
To jump right into finding the best Honda Element insurance rates, enter your ZIP code in our free tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,154 |
| 20 | $2,362 |
| 30 | $1,048 |
| 40 | $1,030 |
| 50 | $948 |
| 60 | $928 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,202 |
| $250 | $1,124 |
| $500 | $1,030 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,030 |
| 50/100 | $1,126 |
| 100/300 | $1,245 |
| 250/500 | $1,556 |
| 100 CSL | $1,173 |
| 300 CSL | $1,436 |
| 500 CSL | $1,628 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,856 |
| 20 | $3,768 |
| 30 | $2,242 |
| 40 | $2,222 |
| 50 | $2,126 |
| 60 | $2,104 |
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 | $52 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $63 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $38 |
| Advance Quote | $45 |
| Online Quote | $70 |
| Total Discounts | $407 |
Discounts are estimated and may not be available from every company or in every state.
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