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Honda car insurance – Introduction

For both occupant safety and accident avoidance, Honda's vehicles are recognized to be among the safest on the road. However, Hondas are also noted for their low repair costs because they are simple to fix and have easily available replacement components.

As a result, physical damage repairs are made easier and less expensive, which helps keep the cost of auto insurance down. Honda cars have some of the most affordable premiums among all manufacturers.

Key Takeaways

  • Due to how cheap it is compared to other car brands; you can pretty much get cheap Honda car insurance from any company. If you don't know how much you can spend, the best way to find the cheapest Honda car insurance rate is to get several free quotes.
  • The most important thing to remember when comparing auto insurance quotes is to use the same policy limits and deductibles for each one. If you use one set of limits for one company and a completely different set for another, you can't compare them fairly and figure out which rate is the cheapest.
  • So, make sure your liability limits are the same (or as close to the same as possible) and that your comprehensive and collision deductibles are the same between quotes.

The history of Honda

Honda Motor Company, Ltd., also known as Honda Giken Kōgyō KK in Japan, is the world's largest maker of motorbikes and cars. Tokyo is home to the company's headquarters. In 1946, Honda Soichiro, established the Honda Technical Research Institute. The focus was to work on the development of tiny, fuel-efficient internal combustion engines for automobiles.

In 1948, Honda Motor Company was incorporated and began making motorcycles. The American Honda Motor Company was established in 1959, and it began producing bikes and automobiles in the United States in 1979 and 1982, respectively.

Aside from motorcycles, Honda's annual sales are dominated by its vehicles, which were first manufactured in 1963. The Civic and Accord are two of Honda's best-selling midsize sedans because of their low curb weight and high fuel efficiency. Products in this category include farm equipment and tiny engines.

Japanese automaker Honda is a key player in the global market, shipping products to countries all over the world. A number of other countries also have assembly factories and joint partnerships or technology licensing arrangements with the company.

Honda current market stats

Honda was worth $10.57 billion in 2021. This made it the fifth-most valuable automobile brand globally. In the same year, Honda's CR-V was the second best-selling SUV in the U.S., after Toyota's RAV4.

Honda's 2021 revenue was 13.17 trillion yen (around 120.48 billion U.S. dollars as of September 15, 2021). This loss of almost one trillion Japanese yen compared to its 2020 global income was partly due to the COVID-19 epidemic, which reduced employment and auto sales.

How much does Honda car insurance cost?

Different risk factors are used by each car insurance company to figure out rates. Even though your age, location, and driving record play a big role in figuring out your premium rate at every company, the make and model of your car can also make a big difference in how much your premium costs. The average Honda insurance cost is $1,460 per year, which is 6.5% less than the average cost of car insurance in the United States.

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Factors affecting the Honda car insurance premium

Safety features

When compared to other kinds of cars, Hondas may have features that make insurance more or less expensive. Even though fixing a newer Honda may cost more because it has more technology, this technology could make your car safer on the road.

Depending on the year and model of your Honda, the safety features will be different. However, rear-view cameras, vehicle stability systems, collision braking systems, lane assist, and safety restraints are all common safety features in Hondas that may lower your insurance rates.

  • Anti-lock brakes & brake assist: These are safety features that help make sure you don't cause a serious accident by braking too hard or not braking in time. If these brake features are on your Honda, your insurance company may think you are less likely to get into an accident.
  • Lane departure warning: This safety feature is meant to let the driver know when he or she has drifted out of their lane. Sideswiping another car is a common cause of car accidents, so your insurance company may see this as something that could keep them from having to pay out on a claim in the future.
  • Side airbags: Car insurance companies aren't just looking for ways to keep accidents from happening, but also for ways to keep people from getting hurt if an accident does happen. Side airbags protect your car's passengers, especially in a side-impact crash, and may be a common feature in larger Hondas with lots of seats.

Price of parts

One way that insurance companies figure out how much to charge for car insurance is by taking into account how much it costs to fix the car, including the cost of parts. A car insurance company may take into account that your Honda model needs expensive parts and labor. This could mean that you have to pay a higher premium to cover any future repair costs.

Honda car insurance: By model

Vehicle model Average annual premium
Accord $1,740
Accord Crosstour $792
Accord Hybrid $1,092
Accord Plug-In $1,212
Civic $1,764
Crosstour $876
CR-V $1,536
CR-Z $1,032
Fit $1,548
HR-V $1,572
Insight $1,764
Odyssey $1,692
Pilot $1,740
Ridgeline $1,764

Is Honda car insurance expensive?

All Honda models have an average insurance cost of $1,460 per year, which is lower than most other brands. Honda's insurance rates are on average $86 less per year than those of Toyota, which is its main competitor. Compared to Nissan, Hyundai, and Kia, Honda's average annual insurance rates are 9.6 percent lower, 4.8 percent lower, and 3.8 percent lower, respectively.

Honda car insurance cost vs. Popular automotive brands

Automotive brand Insurance cost Difference
Honda $1,460 --
Acura $1,764 $304
Audi $2,079 $619
BMW $2,105 $645
Cadillac $1,657 $197
Chevrolet $1,544 $84
Dodge $2,013 $553
Ford $1,543 $83
Genesis $1,833 $373
GMC $1,642 $182
Hyundai $1,533 $73
Infiniti $1,929 $469
Jaguar $1,965 $505
Jeep $1,677 $217
Kia $1,517 $57
Land Rover $1,877 $417
Lexus $1,818 $358
Lincoln $1,712 $252
Mazda $1,405 -$55
Mercedes-Benz $2,118 $658
Mitsubishi $1,618 $158
Nissan $1,614 $154
Subaru $1,458 -$2
Tesla $1,968 $508
Toyota $1,546 $86
Volkswagen $1,486 $26
Volvo $1,660 $200

Cheapest Honda vehicles to insure in 2022

Below are the annual and monthly car insurance rates for the Hondas with the least expensive rates.

  • Honda Passport – Average annual insurance rate around $1,225
  • Honda CR-V – Average annual insurance rate around $1,332
  • Honda HR-V – Average annual insurance rate around $1,368
  • Honda Odyssey – Average annual insurance rate around $1,422
  • Honda Insight – Average annual insurance rate around $1,480

Cheapest Honda car insurance companies

Honda Accord

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $340 $1,172
State Farm $472 $1,412
Erie $372 $1,323
Amica $368 $1,362

Honda Civic

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $338 $1,178
State Farm $468 $1,413
Erie $372 $1,323
Amica $360 $1,360

Honda CR-V

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $346 $1,058
State Farm $438 $1,234
Erie $372 $1,134
Amica $425 $1,103

Honda Odyssey

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $330 $1,203
State Farm $458 $1,328
Erie $369 $1,152
Amica $403 $1,139

Honda Pilot

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $352 $1,168
State Farm $446 $1,339
Erie $372 $1,236
Amica $400 $1,103

Honda Ridgeline

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $349 $1,145
State Farm $475 $1,401
Erie $434 $1,242
Amica $385 $1,208

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Honda car insurance: By age

Honda Accord

Year and Model Annual cost for 30-year-old driver Annual cost for 18-year-old driver
2019 Honda Accord $2,381 $8,387
2018 Honda Accord $2,279 $8,071
2017 Honda Accord $2,177 $7,710
2016 Honda Accord $2,108 $7,461
2015 Honda Accord $2,071 $7,351
2014 Honda Accord $2,007 $7,152

Honda Civic

Year and Model Annual cost for 30-year-old driver Annual cost for 18-year-old driver
2019 Honda Civic $2,509 $8,851
2018 Honda Civic $2,482 $8,735
2017 Honda Civic $2,417 $8,550
2016 Honda Civic $2,353 $8,327
2015 Honda Civic $2,200 $7,831
2014 Honda Civic $2,300 $8,155

Honda Civic Type R

Year and Model Annual cost for 30-year-old driver Annual cost for 18-year-old driver
2019 Honda Civic Type R $2,413 $8,578
2018 Honda Civic Type R $2,289 $8,087

Honda CR-V

Year and Model Annual cost for 30-year-old driver Annual cost for 18-year-old driver
2019 Honda CR-V $2,174 $7,305
2018 Honda CR-V $2,118 $7,314
2017 Honda CR-V $2,026 $7,158
2016 Honda CR-V $1,926 $6,803
2015 Honda CR-V $1,910 $6,775
2014 Honda CR-V $1,906 $6,751

Honda Fit

Year and Model Annual cost for 30-year-old driver Annual cost for 18-year-old driver
2019 Honda Fit $2,237 $7,997
2018 Honda Fit $2,173 $7,705
2017 Honda Fit $2,109 $7,492
2016 Honda Fit $2,064 $7,328
2015 Honda Fit $2,036 $7,245

Honda Insight

Year and Model Annual cost for 30-year-old driver Annual cost for 18-year-old driver
2019 Honda Insight $1,912 $6,872
2014 Honda Insight $2,193 $7,828

Honda Odyssey

Year and Model Annual cost for 30-year-old driver Annual cost for 18-year-old driver
2019 Honda Odyssey $2,077 $7,997
2018 Honda Odyssey $1,987 $7,705
2017 Honda Odyssey $1,941 $7,492
2016 Honda Odyssey $1,908 $7,328
2015 Honda Odyssey $1,893 $7,245
2014 Honda Odyssey $1,842 $6,751

Honda Pilot

Year and Model Annual cost for 30-year-old driver Annual cost for 18-year-old driver
2019 Honda Pilot $2,232 $7,786
2018 Honda Pilot $2,157 $7,525
2017 Honda Pilot $2,117 $7,428
2016 Honda Pilot $2,060 $7,256
2015 Honda Pilot $2,020 $7,134
2014 Honda Pilot $2,122 $7,525

Honda Ridgeline

Year and Model Annual cost for 30-year-old driver Annual cost for 18-year-old driver
2019 Honda Ridgeline $2,326 $8,147
2018 Honda Ridgeline $2,259 $7,892
2017 Honda Ridgeline $2,252 $7,896

Honda car insurance: By state

State Average annual premium
Alabama $1,766
Alaska $1,462
Arizona $1,652
Arkansas $1,810
California $2,015
Colorado $1,881
Connecticut $2,401
Delaware $1,989
Florida $2,366
Georgia $1,931
Hawaii $776
Idaho $1,342
Illinois $1,405
Indiana $1,443
Iowa $1,145
Kansas $1,520
Kentucky $2,194
Louisiana $2,814
Maine $1,069
Maryland $1,725
Massachusetts $1,385
Michigan $3,331
Minnesota $1,376
Mississippi $1,659
Missouri $1,564
Montana $1,590
Nebraska $1,345
Nevada $2,214
New Hampshire $1,542
New Jersey $1,698
New Mexico $1,734
New York $1,607
North Carolina $999
North Dakota $1,364
Ohio $1,218
Oklahoma $1,939
Oregon $1,765
Pennsylvania $1,488
Rhode Island $2,479
South Carolina $1,686
South Dakota $1,514
Tennessee $1,779
Texas $1,792
Utah $1,525
Vermont $1,176
Virginia $1,108
Washington $1,464
West Virginia $1,474
Wisconsin $1,469
Wyoming $1,372

Other car insurance coverages for Honda

Since most states only require liability limits, most other coverages are considered optional. If you finance or lease your new Honda, the lender may have its own requirements that you must meet. Think about these extra, but important, Honda car insurance coverages:

  • Comprehensive: Comprehensive insurance covers damage from the weather, hitting an animal, broken glass (including windows), theft, and vandalism. If you don't want to pay for these kinds of claims yourself, it might be worth it to get full coverage.
  • Collision: Collision coverage is usually bought with comprehensive coverage. It pays for repairs to your car if you cause an accident and damage it. If you wreck your Honda and it's a total loss, the collision coverage will pay the book value, less your deductible.
  • Gap insurance: It's common knowledge that the value of a car drops as soon as you drive it off the lot. With gap insurance, if your Honda is totaled in an accident and it's not worth as much as you owe on it, this coverage will pay your lender the difference so you don't have to.
  • Medical payments/Personal Injury Protection: Some states, and for good reason, require medical car insurance coverage. No matter who was at fault in the accident, if you get hurt and can't work because of it, your medical bills and lost wages will be covered up to the limit you choose.
  • Uninsured/underinsured motorist: Uninsured/underinsured motorist coverage protects you if someone hits you and doesn't have insurance or doesn't have enough to pay for your injuries or vehicle damage. Hit-and-run accidents are also covered by uninsured motorist coverage, which makes it a good idea to get extra protection for your Honda.

How to get Honda car insurance with Way.com

When it comes to insuring your Honda, keep in mind that your rates will be determined by the model you drive and other criteria unique to you.

Way.com can assist you in finding the best rates for the coverage you require. Way.com will find you estimates from over 100 leading insurance companies in just 45 seconds, ensuring you always get the lowest price for the required coverage.

Way.com can help you get the best auto insurance rates regardless of your location, demographics, or the Honda model you drive. Way.com is the simplest way to discover a better insurance policy tailored to your registered broker and auto super app needs.

Other brands insurance

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Auto Insurance Data Methodology

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

FAQs

How much does insurance cost for a Honda?

The amount you pay for Honda insurance will depend on the model and on things like your age, driving record, and ZIP code. Bankrate has found that the Accord and Civic have the most expensive insurance premiums, while the CR-V and Odyssey have the least expensive.

If you shop around for insurance, you might be able to save money on your Honda car insurance, which costs about $1,674 per year on average in the U.S.

Why is Honda car insurance so expensive?

It depends. How much it costs to insure a Honda depends on many things, like the model, trim packaging, safety features, and how much it costs to fix.

The cost of insuring your Honda will also depend on things like your age, where you live, and your past driving record. If you have a lot of traffic tickets or DUIs on your record, you may have to pay more than usual to insure your Honda.

How much does it cost to insure a Honda Accord?

Full coverage insurance for a Honda Accord costs an average of $1,740 per year. Remember, though, that the price you pay to insure your Honda Accord will depend on a number of things, including your coverage limits, the insurance company you choose, and personal things like your age, driving history, claims history, and ZIP code.

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