Honda Element Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

U.S. average auto insurance rates for a Honda Element are $998 annually for full coverage insurance. Comprehensive costs an estimated $156, collision costs $210, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,148. Teenage drivers pay the highest rates at $4,040 a year or more.

Average premium for full coverage: $998

Price estimates broken down by individual coverage:

Comprehensive $156
Collision $210
Liability $474

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Element models.

Price Range from Low to High

For the average driver, Honda Element insurance prices go from as cheap as $522 for basic liability insurance to the much higher price of $2,148 for a high-risk insurance policy.

Liability Only $522
Full Coverage $998
High Risk $2,148

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations have fewer physical damage claims than densely populated cities.

The example below illustrates how location impacts insurance prices.

Rural Areas $749
Small Cities $1,048
Large Cities $1,347

The ranges above illustrate why everyone should get quotes for a targeted area and their own personal driving habits, rather than using average rates.

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.

Rate Comparisons

The chart below illustrates estimated Honda Element insurance rates for other coverage scenarios.

  • The best discount rate is $606
  • Choosing higher $1,000 deductibles can save approximately $84 each year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $998
  • Using pricier low deductibles for comp and collision coverage will cost $1,154
  • Drivers who are prone to accidents and violations could pay up to $2,148 or more
  • The price with full coverage for a teenage driver for full coverage can cost as much as $4,040 each year

View Chart as Image

Honda Element insurance cost comparison chart
Column chart showing full coverage Honda Element insurance rates range from $606 to $4,040

Auto insurance prices for a Honda Element are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $900 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $4,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,200 to $1,700 in extra premium each year, depending on your age. Honda Element insurance for high-risk drivers ranges around 42% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $240 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Honda Element insurance rates. A good driver about age 40 could pay as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,350 on average in Florida, New York, and Michigan.

Honda Element Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $902 -$96 -9.6%
Alaska $762 -$236 -23.6%
Arizona $826 -$172 -17.2%
Arkansas $998 -$0 0.0%
California $1,134 $136 13.6%
Colorado $952 -$46 -4.6%
Connecticut $1,026 $28 2.8%
Delaware $1,130 $132 13.2%
Florida $1,248 $250 25.1%
Georgia $920 -$78 -7.8%
Hawaii $716 -$282 -28.3%
Idaho $674 -$324 -32.5%
Illinois $742 -$256 -25.7%
Indiana $748 -$250 -25.1%
Iowa $672 -$326 -32.7%
Kansas $948 -$50 -5.0%
Kentucky $1,360 $362 36.3%
Louisiana $1,474 $476 47.7%
Maine $616 -$382 -38.3%
Maryland $820 -$178 -17.8%
Massachusetts $798 -$200 -20.0%
Michigan $1,732 $734 73.5%
Minnesota $834 -$164 -16.4%
Mississippi $1,192 $194 19.4%
Missouri $884 -$114 -11.4%
Montana $1,070 $72 7.2%
Nebraska $786 -$212 -21.2%
Nevada $1,196 $198 19.8%
New Hampshire $716 -$282 -28.3%
New Jersey $1,114 $116 11.6%
New Mexico $884 -$114 -11.4%
New York $1,050 $52 5.2%
North Carolina $574 -$424 -42.5%
North Dakota $816 -$182 -18.2%
Ohio $688 -$310 -31.1%
Oklahoma $1,024 $26 2.6%
Oregon $912 -$86 -8.6%
Pennsylvania $952 -$46 -4.6%
Rhode Island $1,328 $330 33.1%
South Carolina $902 -$96 -9.6%
South Dakota $840 -$158 -15.8%
Tennessee $874 -$124 -12.4%
Texas $1,200 $202 20.2%
Utah $738 -$260 -26.1%
Vermont $684 -$314 -31.5%
Virginia $596 -$402 -40.3%
Washington $772 -$226 -22.6%
West Virginia $912 -$86 -8.6%
Wisconsin $690 -$308 -30.9%
Wyoming $888 -$110 -11.0%

View Chart as Image

Honda Element insurance rates by U.S. city

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Honda Element Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Element LX 2WD $976 $81
Honda Element LX 4WD $976 $81
Honda Element EX 2WD $998 $83
Honda Element EX 4WD $998 $83
Honda Element SC 2WD $998 $83

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.

Honda Element Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Honda Element $156 $210 $474 $998
2010 Honda Element $146 $190 $474 $968
2008 Honda Element $140 $166 $460 $924
2006 Honda Element $126 $152 $446 $882
2005 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 Buy the Best Cheap Honda Element Insurance

Getting lower rates on auto insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick review of the car insurance concepts touched on above.

  • Drivers with a DUI or reckless driving violation may pay on average $1,150 more annually to insure a Honda Element
  • It is possible to save approximately $110 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save up to $250 each year
  • Consumers who want increased liability limits will pay an extra $520 annually to raise limits from a low limit to higher 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

  1. https://www.iihs.org/ratings/vehicle/honda/element-4-door-suv/2011

Rates by Driver Age

Honda Element Insurance Rates by Driver Age
Driver Age Premium
16 $4,040
20 $2,282
30 $1,012
40 $998
50 $914
60 $896

Full coverage, $500 deductibles

Rates by Deductible

Honda Element Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,154
$250 $1,082
$500 $998
$1,000 $914

Full coverage, driver age 40

Rates by Liability Limit

Honda Element Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $998
50/100 $1,093
100/300 $1,211
250/500 $1,519
100 CSL $1,140
300 CSL $1,401
500 CSL $1,591

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Element Insurance Rates for High Risk Drivers
Age Premium
16 $5,688
20 $3,640
30 $2,162
40 $2,148
50 $2,054
60 $2,032

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.

SR-22 Surcharge $134

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $50
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $60
5-yr Claim Free $63
Paid in Full/EFT $36
Advance Quote $44
Online Quote $67
Total Discounts $392
Rate after discounts $606

Discounts are estimated and may not be available from every company or in every state.

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