Honda Ridgeline Insurance Rates
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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.
The average insurance rates for a Honda Ridgeline are $1,168 a year with full coverage. Comprehensive costs around $190, collision insurance costs $258, and liability coverage costs around $540. Liability-only insurance costs as low as $592 a year, and high-risk driver insurance costs around $2,510. 16-year-old drivers cost the most to insure at up to $4,690 a year.
Average premium for full coverage: $1,168
Policy rates for type of insurance:
Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Ridgeline models.
Price Range Variability
For the average driver, Honda Ridgeline insurance rates range from as low as $592 for just liability coverage to the much higher price of $2,510 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities. The example below illustrates how location impacts auto insurance rates.
The examples above demonstrate why everyone should compare prices for a specific zip code and risk profile, rather than using 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.
Detailed Rate Analysis
The chart below details average Honda Ridgeline insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $707
- Using higher $1,000 deductibles will save about $104 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,168
- Buying pricier low deductibles for physical damage coverage will increase the cost to $1,360
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,510
- Policy cost for full coverage for a teenage driver for full coverage can be $4,690 or more
Auto insurance rates for a Honda Ridgeline also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age
Your home state has a huge impact on Honda Ridgeline insurance rates. A driver around age 40 might see rates as low as $840 a year in states like New Hampshire, Ohio, and Utah, or at least $1,580 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,054 | -$114 | -9.8% |
| Alaska | $896 | -$272 | -23.3% |
| Arizona | $970 | -$198 | -17.0% |
| Arkansas | $1,168 | -$0 | 0.0% |
| California | $1,330 | $162 | 13.9% |
| Colorado | $1,114 | -$54 | -4.6% |
| Connecticut | $1,196 | $28 | 2.4% |
| Delaware | $1,320 | $152 | 13.0% |
| Florida | $1,460 | $292 | 25.0% |
| Georgia | $1,078 | -$90 | -7.7% |
| Hawaii | $836 | -$332 | -28.4% |
| Idaho | $790 | -$378 | -32.4% |
| Illinois | $868 | -$300 | -25.7% |
| Indiana | $880 | -$288 | -24.7% |
| Iowa | $786 | -$382 | -32.7% |
| Kansas | $1,106 | -$62 | -5.3% |
| Kentucky | $1,590 | $422 | 36.1% |
| Louisiana | $1,726 | $558 | 47.8% |
| Maine | $720 | -$448 | -38.4% |
| Maryland | $962 | -$206 | -17.6% |
| Massachusetts | $932 | -$236 | -20.2% |
| Michigan | $2,026 | $858 | 73.5% |
| Minnesota | $976 | -$192 | -16.4% |
| Mississippi | $1,398 | $230 | 19.7% |
| Missouri | $1,032 | -$136 | -11.6% |
| Montana | $1,252 | $84 | 7.2% |
| Nebraska | $920 | -$248 | -21.2% |
| Nevada | $1,398 | $230 | 19.7% |
| New Hampshire | $840 | -$328 | -28.1% |
| New Jersey | $1,304 | $136 | 11.6% |
| New Mexico | $1,032 | -$136 | -11.6% |
| New York | $1,228 | $60 | 5.1% |
| North Carolina | $672 | -$496 | -42.5% |
| North Dakota | $956 | -$212 | -18.2% |
| Ohio | $804 | -$364 | -31.2% |
| Oklahoma | $1,196 | $28 | 2.4% |
| Oregon | $1,068 | -$100 | -8.6% |
| Pennsylvania | $1,110 | -$58 | -5.0% |
| Rhode Island | $1,558 | $390 | 33.4% |
| South Carolina | $1,058 | -$110 | -9.4% |
| South Dakota | $986 | -$182 | -15.6% |
| Tennessee | $1,020 | -$148 | -12.7% |
| Texas | $1,404 | $236 | 20.2% |
| Utah | $862 | -$306 | -26.2% |
| Vermont | $798 | -$370 | -31.7% |
| Virginia | $698 | -$470 | -40.2% |
| Washington | $898 | -$270 | -23.1% |
| West Virginia | $1,068 | -$100 | -8.6% |
| Wisconsin | $808 | -$360 | -30.8% |
| Wyoming | $1,038 | -$130 | -11.1% |
Opting for high physical damage deductibles could cut rates by as much as $300 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $486 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,400 to $2,000 in extra premium every year, depending on your age. Honda Ridgeline insurance for high-risk drivers can be around 43% to 134% 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 Ridgeline RT 4WD | $1,122 | $94 |
| Honda Ridgeline RTS 4WD | $1,146 | $96 |
| Honda Ridgeline RTL 4WD | $1,168 | $97 |
| Honda Ridgeline RTL W/Navigation 4WD | $1,190 | $99 |
Rates assume 2012 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 |
|---|---|---|---|---|
| 2024 Honda Ridgeline | $320 | $542 | $440 | $1,482 |
| 2023 Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| 2022 Honda Ridgeline | $296 | $524 | $470 | $1,470 |
| 2021 Honda Ridgeline | $286 | $502 | $486 | $1,454 |
| 2020 Honda Ridgeline | $270 | $484 | $500 | $1,434 |
| 2019 Honda Ridgeline | $260 | $450 | $510 | $1,400 |
| 2018 Honda Ridgeline | $250 | $424 | $514 | $1,368 |
| 2017 Honda Ridgeline | $240 | $380 | $520 | $1,320 |
| 2016 Honda Ridgeline | $224 | $350 | $520 | $1,274 |
| 2014 Honda Ridgeline | $210 | $306 | $534 | $1,230 |
| 2012 Honda Ridgeline | $190 | $258 | $540 | $1,168 |
| 2011 Honda Ridgeline | $176 | $236 | $534 | $1,126 |
| 2010 Honda Ridgeline | $166 | $214 | $534 | $1,094 |
| 2008 Honda Ridgeline | $158 | $188 | $520 | $1,046 |
| 2007 Honda Ridgeline | $156 | $178 | $510 | $1,024 |
| 2006 Honda Ridgeline | $142 | $170 | $504 | $996 |
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 the Best Honda Ridgeline Insurance
Finding cheaper rates on auto insurance requires being a safe and courteous driver, having good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every time your policy renews by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a brief recap of the information touched on above.
- You may be able to save up to $130 per year just by quoting online well ahead of the renewal date
- Teenage drivers are expensive to insure, as much as $391 each month if they have full coverage
- Increasing comprehensive and collision deductibles can save around $300 each year
- Drivers who tend to receive serious violations pay an average of $1,340 more every year for auto insurance
- Consumers who may need higher levels of liability will pay around $590 every year to increase from a 30/60 limit to 250/500 limits
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,690 |
| 20 | $2,668 |
| 30 | $1,186 |
| 40 | $1,168 |
| 50 | $1,070 |
| 60 | $1,048 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,360 |
| $250 | $1,274 |
| $500 | $1,168 |
| $1,000 | $1,064 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,168 |
| 50/100 | $1,298 |
| 100/300 | $1,433 |
| 250/500 | $1,784 |
| 100 CSL | $1,352 |
| 300 CSL | $1,649 |
| 500 CSL | $1,865 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,614 |
| 20 | $4,254 |
| 30 | $2,532 |
| 40 | $2,510 |
| 50 | $2,400 |
| 60 | $2,378 |
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 | $59 |
| Multi-vehicle | $63 |
| Homeowner | $21 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $43 |
| Advance Quote | $51 |
| Online Quote | $79 |
| Total Discounts | $461 |
Discounts are estimated and may not be available from every company or in every state.
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