Honda Insurance Rates

The average cost of car insurance for a Honda model is about $1,611 per year.

This is $456 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. 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

These Honda insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per Honda Model

Model Good Driver Recent Accident Poor Credit
Honda Accord Insurance Cost $1,615 $2,406 $2,844
Honda Civic Insurance Cost $1,690 $2,517 $2,975
Honda Clarity Insurance Cost $1,923 $2,864 $3,385
Honda CR-V Insurance Cost $1,395 $2,078 $2,456
Honda Fit Insurance Cost $1,413 $2,105 $2,488
Honda HR-V Insurance Cost $1,546 $2,303 $2,723
Honda Insight Insurance Cost $1,844 $2,747 $3,247
Honda Odyssey Insurance Cost $1,503 $2,238 $2,646
Honda Passport Insurance Cost $1,748 $2,604 $3,079
Honda Pilot Insurance Cost $1,484 $2,210 $2,612
Honda Ridgeline Insurance Cost $1,564 $2,330 $2,754

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 $5,458 $8,130 $9,610
18 $5,087 $7,576 $8,956
19 $4,495 $6,696 $7,915
20 $3,920 $5,838 $6,901
21 $3,287 $4,896 $5,787
22 $3,201 $4,768 $5,637
23 $2,801 $4,172 $4,932
24 $2,661 $3,964 $4,685
25 $2,296 $3,420 $4,043
30 $1,789 $2,664 $3,150
35 $1,675 $2,496 $2,950
40 $1,611 $2,400 $2,837
45 $1,568 $2,335 $2,761
55 $1,438 $2,142 $2,532
65 $1,500 $2,234 $2,641
75 $1,893 $2,820 $3,333

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 $1,707 $2,392 $2,993
Alaska $1,412 $2,057 $2,155
Arizona $1,596 $2,476 $3,531
Arkansas $1,750 $2,651 $2,966
California $1,949 $3,408 $1,949
Colorado $1,819 $2,518 $3,141
Connecticut $2,324 $3,592 $4,601
Delaware $1,923 $2,648 $3,516
Florida $2,290 $3,111 $4,056
Georgia $1,867 $2,878 $2,953
Hawaii $746 $1,029 $746
Idaho $1,296 $1,744 $2,171
Illinois $1,356 $2,005 $2,325
Indiana $1,393 $2,178 $2,541
Iowa $1,104 $1,656 $1,929
Kansas $1,468 $2,162 $2,561
Kentucky $2,123 $3,193 $3,755
Louisiana $2,725 $4,165 $4,484
Maine $1,031 $1,382 $2,017
Maryland $1,667 $2,445 $2,887
Massachusetts $1,337 $2,262 $1,337
Michigan $3,227 $4,851 $7,460
Minnesota $1,328 $1,784 $2,641
Mississippi $1,603 $2,422 $2,559
Missouri $1,511 $2,081 $2,691
Montana $1,536 $2,404 $2,651
Nebraska $1,299 $1,839 $2,091
Nevada $2,142 $3,233 $3,547
New Hampshire $1,490 $2,401 $3,058
New Jersey $1,641 $2,588 $3,339
New Mexico $1,676 $2,412 $2,709
New York $1,553 $2,022 $3,264
North Carolina $963 $1,554 $1,198
North Dakota $1,317 $2,027 $2,574
Ohio $1,174 $1,921 $1,990
Oklahoma $1,876 $2,816 $3,194
Oregon $1,707 $2,578 $2,957
Pennsylvania $1,438 $2,174 $2,495
Rhode Island $2,400 $3,683 $4,212
South Carolina $1,630 $2,359 $3,366
South Dakota $1,463 $2,012 $2,414
Tennessee $1,720 $2,573 $3,246
Texas $1,732 $2,549 $3,200
Utah $1,473 $2,130 $2,939
Vermont $1,134 $1,814 $1,983
Virginia $1,068 $1,609 $1,709
Washington $1,414 $2,125 $2,506
West Virginia $1,423 $2,072 $2,559
Wisconsin $1,419 $2,071 $2,516
Wyoming $1,325 $1,946 $2,176

Other Important Honda Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all Honda models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for a Honda? We have millions of new and used vehicles listed. Here are some Honda models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.