Honda Insurance Rates

The average cost of car insurance for a Honda model is about $1,539 per year.

This is $355 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 $1,485 $2,180 $2,550
Honda Civic Insurance Cost $1,606 $2,358 $2,759
Honda Clarity Insurance Cost $1,828 $2,684 $3,140
Honda CR-V Insurance Cost $1,381 $2,028 $2,372
Honda Fit Insurance Cost $1,399 $2,054 $2,403
Honda HR-V Insurance Cost $1,421 $2,086 $2,441
Honda Insight Insurance Cost $1,753 $2,575 $3,012
Honda Odyssey Insurance Cost $1,482 $2,176 $2,545
Honda Passport Insurance Cost $1,663 $2,442 $2,857
Honda Pilot Insurance Cost $1,469 $2,157 $2,523
Honda Ridgeline Insurance Cost $1,438 $2,111 $2,470

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 $5,212 $7,653 $8,953
18 $4,857 $7,132 $8,343
19 $4,292 $6,303 $7,373
20 $3,742 $5,496 $6,429
21 $3,138 $4,609 $5,391
22 $3,057 $4,488 $5,251
23 $2,675 $3,927 $4,594
24 $2,541 $3,731 $4,365
25 $2,193 $3,220 $3,767
30 $1,708 $2,508 $2,934
35 $1,600 $2,349 $2,748
40 $1,539 $2,259 $2,643
45 $1,497 $2,198 $2,572
55 $1,373 $2,016 $2,359
65 $1,432 $2,103 $2,460
75 $1,808 $2,655 $3,106

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 $1,630 $2,368 $3,014
Alaska $1,348 $1,869 $1,817
Arizona $1,524 $2,204 $3,247
Arkansas $1,671 $2,626 $2,891
California $1,861 $3,291 $1,861
Colorado $1,737 $2,430 $3,084
Connecticut $2,218 $3,441 $4,368
Delaware $1,837 $2,448 $3,144
Florida $2,187 $3,025 $3,943
Georgia $1,783 $2,666 $2,688
Hawaii $712 $967 $712
Idaho $1,237 $1,640 $1,994
Illinois $1,295 $1,958 $2,232
Indiana $1,330 $2,034 $2,283
Iowa $1,054 $1,445 $1,700
Kansas $1,402 $2,040 $2,386
Kentucky $2,027 $2,975 $3,514
Louisiana $2,602 $3,933 $4,265
Maine $984 $1,360 $2,008
Maryland $1,592 $2,317 $2,574
Massachusetts $1,277 $2,227 $1,277
Michigan $3,081 $4,695 $7,406
Minnesota $1,268 $1,691 $2,381
Mississippi $1,531 $2,184 $2,198
Missouri $1,443 $2,063 $2,710
Montana $1,467 $2,047 $2,382
Nebraska $1,240 $1,834 $1,992
Nevada $2,045 $3,034 $3,205
New Hampshire $1,423 $2,250 $2,844
New Jersey $1,567 $2,459 $3,218
New Mexico $1,601 $2,381 $2,472
New York $1,483 $1,867 $3,116
North Carolina $919 $1,579 $1,126
North Dakota $1,258 $1,912 $2,261
Ohio $1,122 $1,730 $1,773
Oklahoma $1,791 $2,564 $2,887
Oregon $1,630 $2,187 $2,612
Pennsylvania $1,373 $2,015 $2,358
Rhode Island $2,292 $3,362 $3,786
South Carolina $1,556 $2,157 $2,977
South Dakota $1,396 $2,012 $2,322
Tennessee $1,642 $2,418 $3,219
Texas $1,654 $2,389 $2,972
Utah $1,407 $1,971 $2,713
Vermont $1,083 $1,668 $1,763
Virginia $1,020 $1,566 $1,535
Washington $1,351 $1,833 $2,189
West Virginia $1,359 $1,946 $2,438
Wisconsin $1,355 $2,115 $2,412
Wyoming $1,265 $1,771 $1,885