Honda Ridgeline 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: May 2, 2024

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Wondering how much should I pay for a Honda Ridgeline insurance plan? Average Honda Ridgeline insurance rates are $1,498 a year, or $124 a month. Read on to learn what drivers can do to save on insurance for Honda Ridgeline vehicles.

Use our free comparison tool above to start comparing Honda Ridgeline insurance costs.

Average insurance rates for a Honda Ridgeline are $1,498 a year including full coverage. Comprehensive costs around $336, collision insurance costs $562, and liability is $420. A policy with just liability insurance costs around $494 a year, and coverage for high-risk drivers costs around $3,220. Teenage drivers receive the highest rates at up to $5,540 a year.

Average premium for full coverage: $1,498

Rate estimates for individual coverage type:

Comprehensive $336
Collision $562
Liability $420

Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all Ridgeline models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the low end price of $494 for the bare minimum liability coverage to the much higher price of $3,220 for a driver who has had serious violations or accidents.

Liability Only $494
Full Coverage $1,498
High Risk $3,220

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,124
Small Cities $1,573
Large Cities $2,022

These examples highlight why everyone should compare rates quotes for a specific zip code, 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.

Additional Rate Information

The chart below breaks down average Honda Ridgeline insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $872
  • Raising to $1,000 deductibles will save about $204 every year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,498
  • Using pricier low deductibles bumps up the cost to $1,894
  • At-risk drivers who are prone to accidents and violations could pay at least $3,220
  • The cost that insures a teen driver for full coverage can be $5,540

View Chart as Image

Honda Ridgeline insurance cost comparison chart
Column chart showing Honda Ridgeline insurance rates range from $872 to $5,540 for full coverage

Insurance rates for a Honda Ridgeline can also vary considerably based on the model of your Ridgeline, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,800 to $2,400 additional per year, depending on your age. Honda Ridgeline insurance for high-risk drivers is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,500 a year. View Rates by Age

Where you live also has a big influence on Honda Ridgeline insurance prices. A middle-age driver might find rates as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,140 on average in Michigan, New York, and Louisiana.

Honda Ridgeline Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,352 -$146 -9.7%
Alaska $1,150 -$348 -23.2%
Arizona $1,246 -$252 -16.8%
Arkansas $1,498 -$0 0.0%
California $1,708 $210 14.0%
Colorado $1,430 -$68 -4.5%
Connecticut $1,538 $40 2.7%
Delaware $1,696 $198 13.2%
Florida $1,874 $376 25.1%
Georgia $1,384 -$114 -7.6%
Hawaii $1,074 -$424 -28.3%
Idaho $1,018 -$480 -32.0%
Illinois $1,116 -$382 -25.5%
Indiana $1,130 -$368 -24.6%
Iowa $1,010 -$488 -32.6%
Kansas $1,422 -$76 -5.1%
Kentucky $2,044 $546 36.4%
Louisiana $2,218 $720 48.1%
Maine $926 -$572 -38.2%
Maryland $1,236 -$262 -17.5%
Massachusetts $1,196 -$302 -20.2%
Michigan $2,600 $1,102 73.6%
Minnesota $1,254 -$244 -16.3%
Mississippi $1,796 $298 19.9%
Missouri $1,330 -$168 -11.2%
Montana $1,608 $110 7.3%
Nebraska $1,182 -$316 -21.1%
Nevada $1,796 $298 19.9%
New Hampshire $1,082 -$416 -27.8%
New Jersey $1,674 $176 11.7%
New Mexico $1,324 -$174 -11.6%
New York $1,576 $78 5.2%
North Carolina $862 -$636 -42.5%
North Dakota $1,226 -$272 -18.2%
Ohio $1,034 -$464 -31.0%
Oklahoma $1,538 $40 2.7%
Oregon $1,374 -$124 -8.3%
Pennsylvania $1,428 -$70 -4.7%
Rhode Island $2,000 $502 33.5%
South Carolina $1,360 -$138 -9.2%
South Dakota $1,264 -$234 -15.6%
Tennessee $1,310 -$188 -12.6%
Texas $1,804 $306 20.4%
Utah $1,108 -$390 -26.0%
Vermont $1,026 -$472 -31.5%
Virginia $898 -$600 -40.1%
Washington $1,154 -$344 -23.0%
West Virginia $1,374 -$124 -8.3%
Wisconsin $1,038 -$460 -30.7%
Wyoming $1,334 -$164 -10.9%

View Chart as Image

Honda Ridgeline insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $600 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $378 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Honda Ridgeline Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Ridgeline RT 4WD $1,408 $117
Honda Ridgeline RTS 4WD $1,454 $121
Honda Ridgeline RTL 4WD $1,498 $125
Honda Ridgeline RTL W/Navigation 4WD $1,542 $129

Rates assume 2024 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 Ridgeline Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Honda Ridgeline $336 $562 $420 $1,498
2023 Honda Ridgeline $320 $542 $440 $1,482
2022 Honda Ridgeline $306 $536 $450 $1,472
2021 Honda Ridgeline $296 $524 $470 $1,470
2020 Honda Ridgeline $286 $502 $486 $1,454
2019 Honda Ridgeline $270 $484 $500 $1,434
2018 Honda Ridgeline $260 $450 $510 $1,400
2017 Honda Ridgeline $250 $424 $514 $1,368
2016 Honda Ridgeline $240 $380 $520 $1,320
2014 Honda Ridgeline $216 $328 $524 $1,248
2013 Honda Ridgeline $210 $306 $534 $1,230
2012 Honda Ridgeline $194 $284 $534 $1,192
2011 Honda Ridgeline $190 $258 $540 $1,168
2010 Honda Ridgeline $176 $236 $534 $1,126
2008 Honda Ridgeline $162 $192 $530 $1,064
2007 Honda Ridgeline $158 $188 $520 $1,046
2006 Honda Ridgeline $156 $178 $510 $1,024

Rates are averaged for all Honda Ridgeline 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 Cheaper Honda Ridgeline Insurance

Saving money on car insurance consists of being a low-risk driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a condensed summary of the ideas that were touched on in this article.

  • Teen drivers are charged the highest rates, as much as $462 per month if comprehensive and collision insurance is included
  • Higher risk drivers with multiple at-fault accidents may have to pay on average $1,720 more every year to insure their Ridgeline
  • Increasing deductibles can save approximately $600 each year
  • You may be able to save up to $180 per year just by quoting online well ahead of the renewal date

Honda Ridgeline pricing on car insurance can vary based on your age and driving record. The best way to save and find affordable Honda Ridgeline car insurance is to use rate comparison tools and find the best Honda Ridgeline insurance quotes for you.

Doing so will allow you to compare different model years, such as the 2017 Honda Ridgeline vs the 2019 model cost to own, or to compare different trim levels, such as 2009 versus 2011 Honda Ridgeline trim levels.

While rate comparison won’t help you find out the Honda Ridgeline depreciation or the Honda Ridgeline 5-year cost to own, it will help you find savings immediately. So if you are ready to start saving on Honda Ridgeline insurance maintenance costs, enter your ZIP code in our free tool below.

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What are the safety ratings of the Honda Ridgeline?

Is the Honda Ridgeline worth buying? If a car doesn’t have good safety ratings and features, it isn’t worth your time. So if you looking for a 2020 Honda Ridgeline for sale, check the safety rating first. Poor safety ratings and features not only mean you are less safe, but it also means higher insurance rates.

Luckily, the Honda Ridgeline has some great safety features, such as brake assist, traction control, lane departure warning, and lane-keeping assist. The Honda Ridgeline safety ratings are also great, as the Insurance Institute for Highway Safety (IIHS) gave the Honda Ridgeline a 2019 Top Safety Pick award.

Take a look at the Honda Ridgeline’s crash test ratings below.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Acceptable
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

The video below shows one of the IIHS’s crash tests on the Honda Ridgeline.

Honda Ridgeline Compared Against Other Vehicles in the Same Class

The Honda Ridgeline is a large pickup, which means it may have slightly higher liability insurance rates. Why? Larger vehicles are more likely to do significant damage to other vehicles in a crash.

Want to better understand how the Honda Ridgeline’s rates compare to other large pickups’ rates? View the large pickups below.

Ready to start saving on Honda Ridgeline insurance rates? Use our free rate comparison tool to find the best Honda Ridgeline rates in your area.

Rates by Driver Age

Honda Ridgeline Insurance Rates by Driver Age
Driver Age Premium
16 $5,540
20 $3,436
30 $1,562
40 $1,498
50 $1,368
60 $1,340

Full coverage, $500 deductibles

Rates by Deductible

Honda Ridgeline Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,894
$250 $1,710
$500 $1,498
$1,000 $1,294

Full coverage, driver age 40

Rates by Liability Limit

Honda Ridgeline Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,498
50/100 $1,626
100/300 $1,731
250/500 $2,004
100 CSL $1,668
300 CSL $1,899
500 CSL $2,067

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Ridgeline Insurance Rates for High Risk Drivers
Age Premium
16 $7,898
20 $5,454
30 $3,292
40 $3,220
50 $3,070
60 $3,044

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 $204

Potential Rate Discounts

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

Discount Savings
Multi-policy $79
Multi-vehicle $76
Homeowner $22
5-yr Accident Free $108
5-yr Claim Free $95
Paid in Full/EFT $68
Advance Quote $73
Online Quote $105
Total Discounts $626
Rate after discounts $872

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

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