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.
U.S. average auto insurance rates for a Honda Element are $1,030 annually including full coverage. Comprehensive costs around $166, collision insurance costs $228, and liability costs around $478. Liability-only coverage costs as low as $526 a year, and high-risk coverage costs around $2,222. Teen drivers pay the highest rates at up to $4,154 a year.
Average premium for full coverage: $1,030
Price estimates for individual coverage:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Element trim levels.
Price Range from Low to High
For a 40-year-old driver, Honda Element insurance prices range from as cheap as $526 for just the minimum liability insurance to a much higher rate of $2,222 for a high-risk driver policy.
Geographic Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how your location can change auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using price 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 Analysis
The chart below breaks down average Honda Element insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $623
- Using higher $1,000 deductibles will save about $90 every year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,030
- Choosing more expensive low deductibles for physical damage coverage will cost $1,202
- Drivers with multiple violations and an at-fault accident could pay at least $2,222
- The price with full coverage for a teen driver with full coverage can be $4,154 or more
Auto insurance prices for a Honda Element are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,000 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at least $1,200 to $1,800 in extra premium each year, depending on your age. High-risk driver insurance can be as much as 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $270 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Honda Element insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,470 on average in Michigan, New York, and Louisiana.
| 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% |
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 Buy Cheap Honda Element Insurance
Getting lower rates on car insurance requires being a good driver, having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to shop around every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief summary of the information illustrated above.
- You may be able to save up to $120 per year just by shopping early and online
- Drivers age 16 to 20 are expensive to insure, possibly costing $346 a month if full coverage is included
- Increasing physical damage deductibles could save up to $250 each year
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,190 more every year than a safer driver
- Policyholders who may need an increased level of liability coverage will pay about $530 per year to increase 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
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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