Honda Ridgeline Insurance Rates
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Michelle Robbins
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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 prices for a Honda Ridgeline are $1,126 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $176, collision costs $236, and liability is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing $2,424 or more. Teenage drivers cost the most to insure at $4,560 a year or more.
Average premium for full coverage: $1,126
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Ridgeline trim levels.
Price Range Variability
For a driver in their 40's, Honda Ridgeline insurance rates go from the cheapest price of $588 for just the minimum liability insurance to a much higher rate of $2,424 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities.
The price range example below illustrates how location helps determine insurance prices.
The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of making a decision based on 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 Analysis
The chart below illustrates estimated Honda Ridgeline insurance rates for other coverage scenarios.
- The best discount rate is $685
- Choosing higher $1,000 deductibles can save approximately $94 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,126
- Using more expensive low deductibles for comp and collision coverage costs an extra $178 annually
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,424 or more
- Policy cost to insure a 16-year-old driver with full coverage can cost as much as $4,560 each year
Auto insurance rates for a Honda Ridgeline also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Using high physical damage deductibles can save as much as $280 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,300 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance ranges from 42% to 128% more than a normal policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Honda Ridgeline insurance prices. A good driver about age 40 could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,520 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,018 | -$108 | -9.6% |
| Alaska | $864 | -$262 | -23.3% |
| Arizona | $936 | -$190 | -16.9% |
| Arkansas | $1,126 | -$0 | 0.0% |
| California | $1,284 | $158 | 14.0% |
| Colorado | $1,072 | -$54 | -4.8% |
| Connecticut | $1,158 | $32 | 2.8% |
| Delaware | $1,274 | $148 | 13.1% |
| Florida | $1,408 | $282 | 25.0% |
| Georgia | $1,042 | -$84 | -7.5% |
| Hawaii | $808 | -$318 | -28.2% |
| Idaho | $764 | -$362 | -32.1% |
| Illinois | $838 | -$288 | -25.6% |
| Indiana | $852 | -$274 | -24.3% |
| Iowa | $762 | -$364 | -32.3% |
| Kansas | $1,070 | -$56 | -5.0% |
| Kentucky | $1,538 | $412 | 36.6% |
| Louisiana | $1,668 | $542 | 48.1% |
| Maine | $698 | -$428 | -38.0% |
| Maryland | $930 | -$196 | -17.4% |
| Massachusetts | $900 | -$226 | -20.1% |
| Michigan | $1,954 | $828 | 73.5% |
| Minnesota | $944 | -$182 | -16.2% |
| Mississippi | $1,350 | $224 | 19.9% |
| Missouri | $998 | -$128 | -11.4% |
| Montana | $1,210 | $84 | 7.5% |
| Nebraska | $890 | -$236 | -21.0% |
| Nevada | $1,352 | $226 | 20.1% |
| New Hampshire | $814 | -$312 | -27.7% |
| New Jersey | $1,262 | $136 | 12.1% |
| New Mexico | $996 | -$130 | -11.5% |
| New York | $1,186 | $60 | 5.3% |
| North Carolina | $650 | -$476 | -42.3% |
| North Dakota | $922 | -$204 | -18.1% |
| Ohio | $776 | -$350 | -31.1% |
| Oklahoma | $1,156 | $30 | 2.7% |
| Oregon | $1,032 | -$94 | -8.3% |
| Pennsylvania | $1,072 | -$54 | -4.8% |
| Rhode Island | $1,502 | $376 | 33.4% |
| South Carolina | $1,022 | -$104 | -9.2% |
| South Dakota | $952 | -$174 | -15.5% |
| Tennessee | $984 | -$142 | -12.6% |
| Texas | $1,356 | $230 | 20.4% |
| Utah | $832 | -$294 | -26.1% |
| Vermont | $772 | -$354 | -31.4% |
| Virginia | $674 | -$452 | -40.1% |
| Washington | $868 | -$258 | -22.9% |
| West Virginia | $1,032 | -$94 | -8.3% |
| Wisconsin | $780 | -$346 | -30.7% |
| Wyoming | $1,004 | -$122 | -10.8% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Ridgeline RT 4WD | $1,086 | $91 |
| Honda Ridgeline RTS 4WD | $1,106 | $92 |
| Honda Ridgeline RTL 4WD | $1,126 | $94 |
| Honda Ridgeline RTL W/Navigation 4WD | $1,146 | $96 |
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 | $306 | $536 | $450 | $1,472 |
| 2023 Honda Ridgeline | $296 | $524 | $470 | $1,470 |
| 2022 Honda Ridgeline | $286 | $502 | $486 | $1,454 |
| 2021 Honda Ridgeline | $270 | $484 | $500 | $1,434 |
| 2020 Honda Ridgeline | $260 | $450 | $510 | $1,400 |
| 2019 Honda Ridgeline | $250 | $424 | $514 | $1,368 |
| 2018 Honda Ridgeline | $240 | $380 | $520 | $1,320 |
| 2017 Honda Ridgeline | $224 | $350 | $520 | $1,274 |
| 2016 Honda Ridgeline | $216 | $328 | $524 | $1,248 |
| 2014 Honda Ridgeline | $194 | $284 | $534 | $1,192 |
| 2012 Honda Ridgeline | $176 | $236 | $534 | $1,126 |
| 2011 Honda Ridgeline | $166 | $214 | $534 | $1,094 |
| 2010 Honda Ridgeline | $162 | $192 | $530 | $1,064 |
| 2008 Honda Ridgeline | $156 | $178 | $510 | $1,024 |
| 2007 Honda Ridgeline | $142 | $170 | $504 | $996 |
| 2006 Honda Ridgeline | $138 | $162 | $500 | $980 |
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 Shop for the Best Honda Ridgeline Insurance
Finding cheaper rates on insurance for a Honda Ridgeline takes being a good driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Invest time comparing rates every year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
The following list is a brief recap of the coverage data covered in the charts and tables above.
- It is possible to save approximately $130 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $275 each year
- Drivers age 16 to 20 are the costliest to insure, possibly costing $380 each month if comprehensive and collision insurance is included
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,300 more annually than a safer driver
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 | $4,560 |
| 20 | $2,578 |
| 30 | $1,144 |
| 40 | $1,126 |
| 50 | $1,036 |
| 60 | $1,014 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,304 |
| $250 | $1,224 |
| $500 | $1,126 |
| $1,000 | $1,032 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,126 |
| 50/100 | $1,253 |
| 100/300 | $1,386 |
| 250/500 | $1,733 |
| 100 CSL | $1,306 |
| 300 CSL | $1,600 |
| 500 CSL | $1,814 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,424 |
| 20 | $4,110 |
| 30 | $2,442 |
| 40 | $2,424 |
| 50 | $2,320 |
| 60 | $2,294 |
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 | $57 |
| Multi-vehicle | $61 |
| Homeowner | $20 |
| 5-yr Accident Free | $68 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $40 |
| Advance Quote | $49 |
| Online Quote | $76 |
| Total Discounts | $441 |
Discounts are estimated and may not be available from every company or in every state.
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