Honda Insurance Rates

The average cost of car insurance for a Honda model is about $1,659 per year.

This is $566 better than other popular brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Honda insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Honda insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per Honda Model

Model Good Driver Recent Accident Poor Credit
Honda Accord Insurance Cost $1,638 $2,405 $2,814
Honda Civic Insurance Cost $1,754 $2,576 $3,014
Honda Clarity Insurance Cost $2,176 $3,195 $3,737
Honda CR-V Insurance Cost $1,409 $2,069 $2,420
Honda Fit Insurance Cost $1,427 $2,095 $2,451
Honda HR-V Insurance Cost $1,449 $2,127 $2,489
Honda Insight Insurance Cost $1,915 $2,812 $3,289
Honda Odyssey Insurance Cost $1,635 $2,401 $2,809
Honda Passport Insurance Cost $1,816 $2,667 $3,120
Honda Pilot Insurance Cost $1,566 $2,300 $2,691
Honda Ridgeline Insurance Cost $1,467 $2,154 $2,520

The cost to insure a Honda model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Honda, then see our insurance analysis and rankings for other makes and models here.

Honda Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,620 $8,253 $9,655
18 $5,238 $7,691 $8,997
19 $4,629 $6,797 $7,951
20 $4,036 $5,927 $6,933
21 $3,385 $4,970 $5,814
22 $3,296 $4,840 $5,663
23 $2,884 $4,235 $4,955
24 $2,740 $4,024 $4,707
25 $2,365 $3,472 $4,062
30 $1,842 $2,705 $3,164
35 $1,725 $2,533 $2,964
40 $1,659 $2,436 $2,850
45 $1,615 $2,371 $2,774
55 $1,481 $2,174 $2,544
65 $1,545 $2,268 $2,653
75 $1,949 $2,863 $3,349

Honda auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Honda models by state.

Average Honda Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,758 $2,553 $3,250
Alaska $1,454 $2,016 $1,959
Arizona $1,644 $2,377 $3,501
Arkansas $1,802 $2,832 $3,118
California $2,007 $3,549 $2,007
Colorado $1,873 $2,621 $3,325
Connecticut $2,393 $3,711 $4,710
Delaware $1,981 $2,640 $3,391
Florida $2,358 $3,263 $4,252
Hawaii $768 $1,042 $768
Idaho $1,334 $1,769 $2,151
Illinois $1,397 $2,111 $2,407
Indiana $1,435 $2,193 $2,462
Iowa $1,137 $1,559 $1,833
Kansas $1,512 $2,200 $2,573
Kentucky $2,186 $3,209 $3,789
Louisiana $2,806 $4,242 $4,599
Maine $1,061 $1,467 $2,165
Maryland $1,717 $2,499 $2,776
Massachusetts $1,377 $2,402 $1,377
Michigan $3,323 $5,064 $7,987
Minnesota $1,368 $1,824 $2,568
Mississippi $1,651 $2,355 $2,371
Missouri $1,556 $2,224 $2,922
Montana $1,582 $2,207 $2,569
Nebraska $1,337 $1,978 $2,148
Nevada $2,206 $3,272 $3,456
New Hampshire $1,534 $2,426 $3,067
New Jersey $1,690 $2,652 $3,471
New Mexico $1,726 $2,568 $2,665
New York $1,599 $2,014 $3,361
North Carolina $991 $1,703 $1,214
North Dakota $1,356 $2,062 $2,438
Ohio $1,210 $1,865 $1,913
Oklahoma $1,931 $2,765 $3,114
Oregon $1,757 $2,358 $2,816
Pennsylvania $1,480 $2,174 $2,543
Rhode Island $2,471 $3,625 $4,083
South Carolina $1,678 $2,326 $3,211
South Dakota $1,506 $2,170 $2,504
Tennessee $1,771 $2,607 $3,472
Texas $1,784 $2,577 $3,205
Utah $1,517 $2,126 $2,925
Vermont $1,168 $1,799 $1,901
Virginia $1,100 $1,689 $1,656
Washington $1,456 $1,977 $2,360
West Virginia $1,466 $2,099 $2,629
Wisconsin $1,461 $2,281 $2,601
Wyoming $1,364 $1,909 $2,033
Georgia $1,923 $2,875 $2,899