Key Takeaways
Honda insurance rates are generally affordable. Insurance companies sometimes offer lower insurance premiums for Honda models due to their good safety features and fewer risk factors. At the same time, the sporty trims of the car models usually have higher insurance rates as they are included in the higher-performance category. Let's go through the insurance rates of selected Honda models and the rates offered by various carriers.
Buying Honda insurance will cost you $1,589 per year for a full coverage policy. Numerous factors affect the Honda car insurance cost. Factors like a driver's age, location, credit score, and driving record are all considered when determining insurance premiums. In addition, the model and trim level of the Honda car you own also determines the insurance premium you pay.
Honda insurance is generally affordable for cars that are considered safer and have great security measures. The Honda Civic and Accord are among the models that received favorable safety evaluations from the Insurance Institute for Highway Safety (IIHS). Find the average insurance rate of the brand in comparison with other competing car makers in the table below.
Comparing quotes from different insurers is one method to find the cheapest deal on auto insurance prices. Texas Farm Bureau offers the cheapest Honda Car insurance at $724 per annum. With an average annual premium of $1,377, Mercury offers the most expensive Honda insurance rates. Below are the auto insurance rates of the most affordable insurers for different Honda models.
| Cheapest Companies | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $61 | $724 |
| Erie | $71 | $841 |
| Vermont Mutual | $75 | $900 |
| State Farm | $80 | $954 |
| USAA | $80 | $954 |
| Tennessee Farmers | $82 | $981 |
| Progressive | $83 | $995 |
| Acuity | $83 | $995 |
| Plymouth Rock Insurance | $84 | $1,000 |
| Nationwide | $87 | $1,039 |
| American Family | $97 | $1,154 |
| Arbella | $97 | $1,154 |
| Country | $103 | $1,229 |
| Mercury | $115 | $1,377 |
The Honda model you choose has a big role in determining the premium amount you may have to pay, especially when comparing quotes. Though not considered a luxury brand, several of the Honda cars have average annual full coverage premium rates that exceed the national average.
Certain newer Honda models, such as the Fit, CR-V, and HR-V, are cheaper to insure compared to the rest. However, models like the Honda Accord have high premium rates, with the Accord Hybrid topping the list with an annual premium of $1,584.
| Honda Model | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Honda Civic | $129 | $1,548 |
| Honda CR-V | $110 | $1,320 |
| Honda Fit | $111 | $1,332 |
| Honda HR-V | $113 | $1,356 |
| Honda Insight | $129 | $1,548 |
| Honda Odyssey | $123 | $1,476 |
| Honda Pilot | $127 | $1,524 |
| Honda Ridgeline | $129 | $1,548 |
| Honda Accord | $127 | $1,524 |
| Honda Accord Hybrid | $132 | $1,584 |
| Honda Crosstour | $95 | $1,140 |
The average annual insurance rate for a Honda Civic is $1,548. The cheapest insurer for the car model is USAA, with an annual premium of $939. However, USAA's benefits are applicable only to military personnel, veterans, and their family members. So, the next best option is Erie with an average annual premium of $1,065.
| Cheapest Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $78 | $939 |
| Erie | $89 | $1,065 |
| State Farm | $89 | $1,071 |
| Progressive | $90 | $1,082 |
| Tennessee Farmers | $91 | $1,088 |
| Vermont Mutual | $94 | $1,124 |
| Nationwide | $97 | $1,164 |
| American Family | $100 | $1,195 |
| Country | $112 | $1,342 |
On average, it costs around $1,320 per year to insure a Honda CR-V. The cheapest average rate for the car model is $623 per year, offered by Texas Farm Bureau. Erie also offers competitive rates at just $714 per annum.
| Cheapest Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $52 | $623 |
| Erie | $60 | $714 |
| State Farm | $60 | $725 |
| Vermont Mutual | $61 | $737 |
| Progressive | $62 | $741 |
| USAA | $62 | $749 |
| American Family | $64 | $769 |
| Tennessee Farmers | $69 | $830 |
| Nationwide | $70 | $835 |
| Acuity | $72 | $860 |
Texas Farm Bureau is the cheapest insurance provider for the Honda Fit. The average annual premium is $685, while the overall average for the car model is $1,332. Cheap monthly rates are available, ranging between $57 and $85.
| Cheapest Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $57 | $685 |
| Erie | $66 | $788 |
| Vermont Mutual | $69 | $830 |
| USAA | $70 | $837 |
| Progressive | $74 | $891 |
| State Farm | $77 | $924 |
| Tennessee Farmers | $80 | $965 |
| Acuity | $82 | $988 |
| Nationwide | $84 | $1,004 |
| Plymouth Rock Insurance | $85 | $1,016 |
A Honda HR-V insurance rate costs you $1,356 on average, per year. While Erie offers the lowest insurance rate of $893, more carriers such as Vermont Mutual, Nationwide, and USAA also offer cheap rates.
| Cheapest Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Erie | $74 | $893 |
| Vermont Mutual | $76 | $914 |
| Nationwide | $79 | $942 |
| USAA | $79 | $946 |
| Tennessee Farmers | $82 | $983 |
| Acuity | $84 | $1,003 |
| Progressive | $85 | $1,016 |
You can expect to pay around $1,548 per year to insure a Honda Insight on average. However, Texas Farm Bureau offers the cheapest deal with an annual premium rate of $713. American Family offers the highest premium at $1,183 per year.
| Cheapest Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $59 | $713 |
| Erie | $73 | $878 |
| Plymouth Rock Insurance | $75 | $902 |
| Vermont Mutual | $76 | $915 |
| USAA | $84 | $1,009 |
| Acuity | $91 | $1,088 |
| Arbella | $92 | $1,106 |
| Nationwide | $96 | $1,154 |
| Country | $97 | $1,165 |
| American Family | $99 | $1,183 |
Texas Farm Bureau offers the cheapest insurance premium for a Honda Odyssey with an average annual premium of $640. Otherwise, you may have to pay around $1,476 per annum to insure the model. Vermont Mutual also offers competitive rates at just $776 per year.
| Cheapest Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $53 | $640 |
| Vermont Mutual | $65 | $776 |
| Erie | $69 | $827 |
| Progressive | $73 | $872 |
| Tennessee Farmers | $76 | $914 |
| USAA | $79 | $951 |
| Acuity | $78 | $940 |
| Nationwide | $81 | $976 |
| Plymouth Rock Insurance | $82 | $984 |
| State Farm | $77 | $928 |
Generally, it costs around $1,524 per year to insure the Honda Pilot. You can find the best rates with Texas Farm Bureau with premiums starting at just $658 per year. Providers like Vermont Mutual and Erie also offer affordable rates at $756 and $777 per year, respectively.
| Cheapest Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $55 | $658 |
| Vermont Mutual | $63 | $756 |
| Erie | $65 | $777 |
| State Farm | $68 | $816 |
| Progressive | $69 | $824 |
| Tennessee Farmers | $71 | $849 |
| USAA | $75 | $900 |
| Acuity | $75 | $901 |
| Plymouth Rock Insurance | $79 | $951 |
| Nationwide | $83 | $999 |
Honda Ridgeline car insurance cost generally falls around $1,548 per year on average. However, Texas Farm Bureau has the cheapest premium rates at just $726 per year.
| Cheapest Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $61 | $726 |
| Erie | $64 | $771 |
| Vermont Mutual | $67 | $803 |
| USAA | $77 | $918 |
| Progressive | $80 | $954 |
| Tennessee Farmers | $82 | $984 |
| State Farm | $82 | $978 |
| Acuity | $86 | $1,030 |
| Nationwide | $86 | $1,036 |
| Plymouth Rock Insurance | $87 | $1,048 |
The average annual premium to insure a Honda Accord model is $1,524. Nevertheless, you can find the most affordable rates with Texas Farm Bureau. The average yearly insurance cost is just $685, which is much lower considering the general market trend.
| Cheapest Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | $57 | $685 |
| Vermont Mutual | $76 | $911 |
| Erie | $81 | $966 |
| Nationwide | $86 | $1,032 |
| USAA | $92 | $1,104 |
| Progressive | $107 | $1,280 |
| American Family | $111 | $1,327 |
| Mercury | $115 | $1,377 |
| Country | $98 | $1,180 |
| Arbella | $104 | $1,243 |
With an average annual rate of $1,584, the Accord Hybrid is the Honda model with the highest insurance rate, according to our research. The cheapest insurance provider for the model is Erie, which offers an annual average premium of $794.
| Cheapest Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Erie | $66 | $794 |
| Texas Farm Bureau | $80 | $963 |
| USAA | $88 | $1,052 |
| Plymouth Rock | $92 | $1,099 |
| Vermont Mutual | $95 | $1,134 |
| Tennessee Farmers | $93 | $1,113 |
| Acuity | $101 | $1,208 |
| Progressive | $107 | $1,283 |
| American Family | $108 | $1,292 |
| Arbella | $105 | $1,258 |
When compared to the rest of the Honda models, the Crosstour is the cheapest to insure, with an average annual rate of $1,140. Erie offers the most affordable deal with an annual premium of $654.
| Cheapest Company | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Erie | $55 | $654 |
| Texas Farm Bureau | $60 | $719 |
| USAA | $66 | $789 |
| Vermont Mutual | $68 | $811 |
| Progressive | $74 | $892 |
| Tennessee Farmers | $76 | $911 |
| State Farm | $78 | $932 |
| Acuity | $78 | $941 |
| Plymouth Rock | $83 | $999 |
| Arbella | $84 | $1,009 |
Practice safe driving: Rash driving can cause a significant increase in your Honda car insurance cost.
Improve your credit score: A good credit score, which is above 700, can help you save $250 or more on your annual insurance premiums.
Obey traffic laws: Violating traffic rules can increase your Honda car insurance cost. So, it is always recommended that you maintain a good driving history.
Ask for discounts: Insurance companies usually offer various auto insurance discounts. Discounts like multi-policy, good student, loyalty, and senior citizens can help you lower your insurance costs.
Bundle your insurance policies: You can save more on your insurance policy by purchasing your car insurance and home insurance from the same provider.
Download the Way app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes. On our platform, you can compare offers from more than 140 different insurance providers. This will help you in choosing the most suitable option to reduce your Honda car insurance costs.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Honda insurance costs are typically affordable, at $1,589 per year for a full coverage policy. However, your premiums may vary depending on the model, the insurance company you select, and additional factors like your driving record and where you live.
No. Honda Crosstour insurance cost is the cheapest when compared to other Honda models. The average annual premium for the car model is $1,140.
With an average annual premium of $1,584, the Accord Hybrid is the most expensive Honda model to insure.
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