Honda Insurance Rates

The average cost of car insurance for a Honda model is about $1,503 per year.

This is $284 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 $1,470 $2,158 $2,525
Honda Civic Insurance Cost $1,537 $2,258 $2,641
Honda Clarity Insurance Cost $1,750 $2,569 $3,005
Honda CR-V Insurance Cost $1,367 $2,007 $2,348
Honda Fit Insurance Cost $1,385 $2,034 $2,379
Honda HR-V Insurance Cost $1,407 $2,066 $2,417
Honda Insight Insurance Cost $1,678 $2,464 $2,882
Honda Odyssey Insurance Cost $1,467 $2,154 $2,520
Honda Passport Insurance Cost $1,591 $2,337 $2,733
Honda Pilot Insurance Cost $1,454 $2,135 $2,497
Honda Ridgeline Insurance Cost $1,424 $2,091 $2,446

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 $5,090 $7,474 $8,744
18 $4,743 $6,965 $8,148
19 $4,192 $6,155 $7,201
20 $3,655 $5,367 $6,279
21 $3,065 $4,501 $5,266
22 $2,985 $4,383 $5,128
23 $2,612 $3,835 $4,487
24 $2,481 $3,644 $4,263
25 $2,141 $3,144 $3,679
30 $1,668 $2,450 $2,865
35 $1,563 $2,294 $2,684
40 $1,503 $2,207 $2,581
45 $1,462 $2,147 $2,512
55 $1,341 $1,969 $2,304
65 $1,399 $2,054 $2,403
75 $1,765 $2,592 $3,033

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 $1,592 $2,312 $2,944
Alaska $1,317 $1,825 $1,774
Arizona $1,489 $2,152 $3,171
Arkansas $1,632 $2,565 $2,824
California $1,817 $3,214 $1,817
Colorado $1,696 $2,373 $3,011
Connecticut $2,167 $3,360 $4,266
Delaware $1,794 $2,390 $3,071
Florida $2,136 $2,955 $3,850
Georgia $1,741 $2,604 $2,625
Hawaii $696 $944 $696
Idaho $1,208 $1,602 $1,948
Illinois $1,265 $1,912 $2,180
Indiana $1,299 $1,987 $2,229
Iowa $1,029 $1,412 $1,660
Kansas $1,369 $1,992 $2,330
Kentucky $1,979 $2,906 $3,431
Louisiana $2,541 $3,841 $4,165
Maine $961 $1,328 $1,961
Maryland $1,555 $2,263 $2,514
Massachusetts $1,247 $2,175 $1,247
Michigan $3,009 $4,586 $7,233
Minnesota $1,239 $1,652 $2,326
Mississippi $1,495 $2,133 $2,147
Missouri $1,409 $2,014 $2,646
Montana $1,432 $1,999 $2,327
Nebraska $1,211 $1,791 $1,946
Nevada $1,997 $2,963 $3,130
New Hampshire $1,389 $2,197 $2,778
New Jersey $1,531 $2,402 $3,143
New Mexico $1,563 $2,325 $2,414
New York $1,448 $1,823 $3,044
North Carolina $898 $1,542 $1,100
North Dakota $1,228 $1,867 $2,208
Ohio $1,095 $1,689 $1,732
Oklahoma $1,749 $2,504 $2,820
Oregon $1,591 $2,135 $2,551
Pennsylvania $1,341 $1,968 $2,303
Rhode Island $2,238 $3,283 $3,697
South Carolina $1,520 $2,107 $2,908
South Dakota $1,364 $1,965 $2,268
Tennessee $1,604 $2,361 $3,144
Texas $1,615 $2,333 $2,902
Utah $1,374 $1,925 $2,649
Vermont $1,057 $1,629 $1,722
Virginia $996 $1,530 $1,500
Washington $1,319 $1,790 $2,138
West Virginia $1,327 $1,900 $2,381
Wisconsin $1,323 $2,065 $2,356
Wyoming $1,235 $1,729 $1,841