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...

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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 prices for a Honda Element are $998 every 12 months including full coverage. Comprehensive costs around $156, collision costs $210, and liability costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,148. Teenage drivers pay the most at $4,040 a year or more.

Average premium for full coverage: $998

Premium estimates for type of coverage:

Comprehensive $156
Collision $210
Liability $474

Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Element trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Honda Element go from the cheapest price of $522 for basic liability insurance to a much higher rate of $2,148 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance rates.

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

These rate differences highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of 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 breaks down estimated Honda Element insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $606
  • Using higher $1,000 deductibles will save about $84 every year
  • The average price for a 40-year-old good driver using $500 deductibles is $998
  • Using more expensive low deductibles for physical damage coverage increases the price to $1,154
  • Drivers who are prone to accidents and violations could pay at least $2,148 or more
  • An auto insurance policy to insure a teen driver with full coverage can be $4,040 or more

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

Insurance prices for a Honda Element also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles could cut prices by as much as $240 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,200 to $1,700 additional annually, depending on your age. High-risk driver insurance can be as much as 42% to 134% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Honda Element insurance prices. A driver around age 40 might see prices as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,420 on average in Michigan, New York, and Louisiana.

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

With such a large range in prices, the best way to figure out your exact price is to compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, and prices will be substantially different.

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 Shop for the Best Cheap Honda Element Insurance

Finding better rates on car insurance requires being a low-risk driver, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Take the time to comparison shop every year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a quick review of the coverage data touched on in the above illustrations.

  • You may be able to save up to $110 per year simply by shopping early and online
  • Increasing policy deductibles could save as much as $250 each year
  • Teen drivers are charged the highest prices, with the cost nearing $337 per month if full coverage is included
  • Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,150 more every year to insure their Element

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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