Key Takeaways
The Honda Ridgeline insurance costs are moderately high for the pickup segment. If you are looking for methods to cut the cost, let's know more about the factors that impact car insurance rates. Also, here are more methods to find the best insurers based on your Honda Ridgeline model year.
A full-coverage auto insurance policy for Ridgeline will run you an average of $1,548 per year. Still, the average premium for this market sector is $1,320 per year, a difference of $220 per year. Insurance comparison tools such as the Way app help you find cheaper rates from the best insurance providers.
A Honda Ridgeline's annual vehicle insurance premium is $12 less expensive compared to that of a Toyota Tacoma, $144 more expensive than that of a Chevrolet Colorado, $192 more expensive than that of a Nissan Frontier, and $816 more expensive than that of a Ford Ranger. This rate is in comparison to the rest of the midsize truck class.
The following table compares the auto insurance costs for the Honda Ridgeline to the best competing models in the similar segment.
| Make and Model | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Ford Ranger | 732 | 61 |
| Nissan Frontier | 1356 | 113 |
| Chevrolet Colorado | 1404 | 117 |
| Honda Ridgeline | 1548 | 129 |
| Toyota Tacoma | 1560 | 130 |
Vehicle Size & Classification: The Honda Ridgeline is a midsize pickup truck. The average annual premium for a pickup truck in the US is $1659, which is one of the cheapest segments to insure.
Safety Ratings: Insurers value the safety ratings given by the testing agencies like IIHS and NHTSA. The higher ratings mean the lower Ridgeline insurance car costs.
Repair Costs & Parts Availability: The unibody construction of the Honda Ridgeline is complex and adds repair costs.
Theft Rates: Pickups have a high theft risk. At the same time, the advanced safety techs in the car make it safer and hence leads to a lower insurance rate.
Trim Level: The Honda Ridgeline is available in Sport, RTL, RTL-E, and Black Edition trim levels. With upgraded versions come higher features, performance, and insurance rates. The newer the techs included, the higher the insurance rates are.
Driver-Specific Factors: Certain matters related to the driver, such as age, gender, location, etc., do affect the Honda Ridgeline insurance rates. Considering gender, male drivers have higher rates with insurers. Similarly, drivers under 25 years are considered high-risk. Also, certain locations have a high risk due to frequent natural calamities, hence the insurance rates also go higher.
Model Year & Depreciation: The Older the model year, the higher the depreciation, and the lower the insurance rates. If any model year has higher claims for repair or collision, its insurance cost is higher.
The model year has a significant influence on car insurance rates. While the average annual Honda Ridgeline insurance rate is $1,548, the cost of a 2020 car model is higher at an average $5, and a 2011 model is 41% lower. Go through the average annual and monthly rates for the car model in the table below.
| Honda Ridgeline Model Year | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| 2020 Honda Ridgeline | $1,553 | $129 |
| 2019 Honda Ridgeline | $1,625 | $135 |
| 2018 Honda Ridgeline | $1,196 | $100 |
| 2017 Honda Ridgeline | $992 | $83 |
| 2014 Honda Ridgeline | $848 | $71 |
| 2013 Honda Ridgeline | $899 | $75 |
| 2012 Honda Ridgeline | $900 | $75 |
| 2011 Honda Ridgeline | $902 | $75 |
Though various factors influence the Honda Ridgeline insurance rates significantly, the insurers have the final say. Based on our research, several carriers offer cheap Honda Ridgeline auto insurance rates. The cheapest among them is the Texas Farm Bureau, offering an annual average rate of $715. Find low-cost car insurance deals for the model in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Texas Farm Bureau | $715 | $60 |
| Erie | $776 | $65 |
| Tennessee Farmers | $879 | $73 |
| Vermont Mutual | $903 | $75 |
| USAA | $939 | $78 |
| Plymouth Rock Insurance | $962 | $80 |
| Progressive | $994 | $83 |
| Acuity | $997 | $83 |
| Nationwide | $1,000 | $83 |
| State Farm | $1,032 | $86 |
The average annual insurance rate of a 2020 Honda Ridgeline is $1,553. The cheapest insurer for the car model year is Nationwide. The carrier offers $973 on average per year. Find more cheap Honda Ridgeline insurance rates in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Nationwide | $973 | $81 |
| Vermont Mutual | $1,120 | $93 |
| Erie | $1,190 | $99 |
| Tennessee Farmers | $1,242 | $104 |
| 21st Century | $1,339 | $112 |
| State Farm | $1,355 | $113 |
| USAA | $1,415 | $118 |
| Country | $1,427 | $119 |
| American Family | $1,438 | $120 |
| Arbella | $1,471 | $123 |
| Progressive | $1,475 | $123 |
Erie offers the cheapest Honda Ridgeline car insurance quotes. The average annual insurance rate offered by the carrier is $1,088. The overall annual average for the car model year is $1625. The providers mentioned in the table below offer 18% lower rates on average.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Erie | $1,088 | $91 |
| Cincinnati Insurance | $1,089 | $91 |
| Nationwide | $1,246 | $104 |
| Auto Owners | $1,306 | $109 |
| USAA | $1,306 | $109 |
| Country | $1,357 | $113 |
| Plymouth Rock Insurance | $1,406 | $117 |
| State Farm | $1,408 | $117 |
| Acuity | $1,451 | $121 |
| Arbella | $1,456 | $121 |
| American Family | $1,515 | $126 |
The cheapest average insurance rate for a 2018 Honda Ridgeline is 33% cheaper than the overall average annual rate of $1,196. The cheapest insurer for the model year is Progressive, and it costs $795 on average per year. The table below shows more insurers with cheap rates, such as Erie, Tennessee Farmers, USAA, etc.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Progressive | $795 | $66 |
| Erie | $806 | $67 |
| Tennessee Farmers | $856 | $71 |
| USAA | $959 | $80 |
| State Farm | $1,016 | $85 |
| Plymouth Rock Insurance | $1,042 | $87 |
| Nationwide | $1,055 | $88 |
| Vermont Mutual | $1,158 | $97 |
| Acuity | $1,189 | $99 |
| American Family | $1,245 | $104 |
| Country | $1,283 | $107 |
The 2017 Honda Ridgeline insurance rate is $992 per year, on average. The cheapest insurance rate for the car model year is offered by Progressive. The carrier offers 30% cheaper rates for the 2017 model year. The table below shows more cheap insurers such as Erie, State Farm, USAA, etc. Go through and find the best one for your 2017 Honda Ridgeline.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Progressive | $686 | $57 |
| Erie | $706 | $59 |
| State Farm | $826 | $69 |
| USAA | $828 | $69 |
| Tennessee Farmers | $834 | $70 |
| Texas Farm Bureau | $929 | $77 |
| Nationwide | $972 | $81 |
| Plymouth Rock Insurance | $1,010 | $84 |
| Vermont Mutual | $1,095 | $91 |
| American Family | $1,158 | $97 |
| Acuity | $1,160 | $97 |
While the annual average insurance rate for the 2014 Honda Ridgeline is $848, Texas Farm Bureau offers $200 cheaper annual average rates. The average annual rates offered by the carrier are $648. The average monthly cheap rates offered by various insurers range between $54 and $93. Erie, Vermont, and some other carriers mentioned in the table below also offer cheap Honda Ridgeline car insurance rates for the 2014 model year.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Texas Farm Bureau | $648 | $54 |
| Erie | $725 | $60 |
| Vermont Mutual | $739 | $62 |
| Tennessee Farmers | $817 | $68 |
| USAA | $888 | $74 |
| Acuity | $891 | $74 |
| Plymouth Rock Insurance | $958 | $80 |
| Arbella | $976 | $81 |
| Country | $998 | $83 |
| Amica | $1,100 | $92 |
| Grange Insurance | $1,116 | $93 |
The annual average Honda Ridgeline insurance rate for the 2013 model year is $899. Texas Farm Bureau, Erie, and Vermont Mutual are the best insurers offering the cheapest rates. The average monthly cheap rates range between $53 and $83. Find the average annual and monthly rates offered by respective insurance providers in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Texas Farm Bureau | $631 | $53 |
| Erie | $636 | $53 |
| Vermont Mutual | $655 | $55 |
| Tennessee Farmers | $741 | $62 |
| USAA | $775 | $65 |
| Acuity | $825 | $69 |
| Arbella | $847 | $71 |
| Country | $914 | $76 |
| Plymouth Rock Insurance | $927 | $77 |
| Progressive | $938 | $78 |
| State Farm | $992 | $83 |
The annual insurance rate for the 2012 Honda Ridgeline is $900 on average. The cheapest insurance rate for the car model year, on average, is $619 a year, by Erie. More insurers, such as Texas Farm Bureau, Vermont Mutual, etc., also offer cheap Honda Ridgeline auto insurance rates. Find the average costs with various carriers in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Erie | $619 | $52 |
| Texas Farm Bureau | $649 | $54 |
| Vermont Mutual | $667 | $56 |
| Tennessee Farmers | $766 | $64 |
| USAA | $772 | $64 |
| Acuity | $827 | $69 |
| Arbella | $906 | $76 |
| Plymouth Rock Insurance | $907 | $76 |
| State Farm | $932 | $78 |
| Country | $941 | $78 |
| Progressive | $1,018 | $85 |
Erie offers the lowest insurance rate for the 2011 Honda Ridgeline. The annual average offer by the carrier, $611, is 32% cheaper than the overall average of $902. Get the average annual and monthly rates from the insurers with cheap Honda Ridgeline insurance rates for the 2011 model year in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Erie | $611 | $51 |
| Texas Farm Bureau | $635 | $53 |
| Vermont Mutual | $639 | $53 |
| Tennessee Farmers | $757 | $63 |
| USAA | $773 | $64 |
| Arbella | $830 | $69 |
| Plymouth Rock Insurance | $891 | $74 |
| Country | $912 | $76 |
| Acuity | $920 | $77 |
| Southern Farm Bureau | $1,018 | $85 |
| Amica | $1,026 | $86 |
Car safety is not only your concern, but also your insurer's major concern. Cars with more safety features ensure less damage and less indemnity for the driver and passengers. Therefore, cars with advanced specs and safety features tend to have lower insurance rates. If you are adding any additional safety/security features to the car, don't forget to declare them in your car insurance application or online platforms such as the Way app. Here are the safety features that would get you cheap Honda Ridgeline auto insurance quotes.
Safety ratings for the Honda Ridgeline are solid and help to lower your annual insurance cost. Insurers should consider the ratings of agencies such as IIHS and NHTSA. Find the overview of the outcomes for tests conducted by NHTSA in the table below.
| NHTSA Test Types | Safety Ratings |
|---|---|
| Frontal Barrier for Driver | 5 Star |
| Frontal Barrier for Passenger | 4 Star |
| Side Barrier for Front Seat | 5 Star |
| Side Barrier for Rear Seat | 4 Star |
| Side Pole Test | 5 Star |
| Combined Side Barrier and Side Pole Test for Front Seat | 5 Star |
| Combined Side Barrier and Side Pole Test for Rear Seat | 4 Star |
| Rollover Resistance | 5 Star |
| Dynamic Tip Result | No Tip |
| Rollover Risk | 9.30% |
Also, find the ratings by IIHS in popular categories for the Honda Ridgeline in the table below.
| IIHS Test Types | Safety Ratings |
|---|---|
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | Acceptable |
| Moderate overlap front: original test | Good |
| Side: original test | Good |
| Side: updated test | Good |
| Roof strength | Good |
| Head restraints & seats | Good |
| Headlights (varies by trim/option) | Good / Poor |
| Front crash prevention: vehicle-to-vehicle | Superior |
| LATCH ease of use | Acceptable |
Even if the rates for your Honda Ridgeline auto insurance could be predetermined, there are a few actions that you can take to guarantee that you obtain the most reasonable rates for your Honda Ridgeline auto insurance.
Check to see whether you can get any discounts through organizations, such as discounts offered by employers.
Discuss the possibility of purchasing seasonal insurance for your Honda Ridgeline with Honda.
Cut down on the number of customizations you've given your Honda. Though not an integrated part of car customizations, it adds to car value and, hence, car insurance rates.
Obtaining a driving recorder for your Honda Ridgeline is an investment.
While there are several methods to cut the Honda Ridgeline car insurance cost, the simplest method to find a carrier is to use the auto insurance comparison tools, such as the Way app. Sign up for the platform's app or website and enter the true info regarding your car. That's it! Here you will find the best-reviewed car insurance carriers for the Honda Ridgeline.
With the best comparison tool, you can get the perfect insights into the rates for various coverages with different carriers. Only choose the best one that fits your requirements.
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 Ridgeline insurance rates are moderately high compared to a few other midsize pickups, such as the Ford Ranger, Nissan Frontier, and Chevrolet Colorado.
The insurance rate on a Honda Ridgeline costs you $1,548 per year and $129 per month on average.
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