Honda Ridgeline insurance costs change based on model year, with 2025 models costing around $193 monthly compared to $63 for older versions. You'll pay more for newer Ridgelines because they have higher market values.
Honda Ridgeline Insurance Cost
Updated: January 22, 2026
Key Takeaways
GEICO offers the most affordable Honda Ridgeline insurance on average. Full coverage costs around $153 monthly and varies based on your model year and chosen insurer. Read more
Among pickup trucks, the Ridgeline ranks ninth out of 40 for insurance affordability, placing it in the middle tier for its vehicle type. Pickup trucks have higher premiums due to increased repair costs and accident rates compared to other vehicles. Read more
For the most accurate rates, focus on costs specific to your Ridgeline's model year. Read MoneyGeek's analysis of rates by company for specific Ridgeline model years, depending on the age of the drivers
How Much Is Honda Ridgeline Insurance?
Looking for another Honda model? Read more about the cost of Honda car insurance models.
Costs vary by model year and company. Honda Ridgeline minimum coverage ranges from $53 monthly with GEICO to $132 with UAIC, while full coverage spans $115 with GEICO to $268 with AIG.
These cost differences (more than $79 for minimum coverage and $153 for full coverage) demonstrate why Ridgeline owners need to shop around. Insurance companies calculate risk differently for each model, which affects your final quote.
| AAA | $88 | $182 |
| AIG | $110 | $268 |
| Allstate | $104 | $200 |
| Amica | $98 | $201 |
| Chubb | $103 | $202 |
| Farmers | $119 | $210 |
| Geico | $53 | $115 |
| Kemper | $76 | $155 |
| Nationwide | $85 | $147 |
| Progressive | $77 | $144 |
| State Farm | $75 | $156 |
| The Hartford | $88 | $150 |
| Travelers | $66 | $122 |
| UAIC | $132 | $165 |
Is Honda Ridgeline Expensive to Insure?
MoneyGeek compared Honda Ridgeline insurance costs to 40 other pickup trucks in our database and found it ranks 9th for affordability, meaning eight vehicles cost less to insure. It's positioned between the slightly cheaper Chevrolet Avalanche and the marginally pricier Chevrolet Colorado. This middle-tier ranking among pickup trucks shows it's neither the cheapest nor most expensive option in its category.
While it's middle-of-the-pack among pickup trucks, the Ridgeline sits at 190th out of 827 total vehicles, placing it in the top 25% most affordable models overall. Pickup trucks tend to be expensive to insure, but the Ridgeline bucks that trend compared to all car types. The cheapest pickup to insure is the Suzuki SX4, while the Ram 2500 commands the highest premiums.
| Subaru Baja | $109 | 6 |
| GMC Sierra 1500 | $110 | 7 |
| Chevrolet Avalanche | $115 | 8 |
| Honda Ridgeline | $116 | 9 |
| Chevrolet Colorado | $117 | 10 |
| Ford F-150 | $118 | 11 |
| Ram Dakota | $119 | 12 |
Several factors affect what you'll pay for Honda Ridgeline insurance:
- Average Repair or Replacement Costs: Honda Ridgeline maintenance costs average $888 annually, ranking as the third most expensive Honda model to maintain out of 18 total models. These moderate repair expenses help keep insurance premiums reasonable compared to luxury trucks.
- Vehicle Trim, Features and Accessories: The Ridgeline's 280-horsepower 3.5L V6 engine delivers solid performance that can increase insurance costs. Higher-performance trims cost more to insure since greater horsepower means higher repair expenses and replacement parts costs.
- Driver Profile:Â Most Honda Ridgeline owners fall between the ages of 40 and 50, which results in lower insurance rates due to responsible driving habits. However, the truck's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Honda Ridgelines for young drivers.
Honda Ridgeline Insurance Cost by State
Honda Ridgeline insurance costs range from $29 monthly in Wyoming to $158 in Louisiana for minimum coverage, showing how location affects your rates.
| Alabama | $65 | $123 |
| Alaska | $56 | $120 |
| Arizona | $93 | $174 |
| Arkansas | $63 | $140 |
| California | $76 | $153 |
| Colorado | $76 | $180 |
| Connecticut | $108 | $186 |
| Delaware | $108 | $181 |
| Florida | $98 | $226 |
| Georgia | $114 | $187 |
| Hawaii | $42 | $94 |
| Idaho | $43 | $87 |
| Illinois | $72 | $135 |
| Indiana | $50 | $99 |
| Iowa | $43 | $104 |
| Kansas | $56 | $131 |
| Kentucky | $97 | $164 |
| Louisiana | $158 | $338 |
| Maine | $41 | $85 |
| Maryland | $119 | $200 |
| Massachusetts | $79 | $167 |
| Michigan | $120 | $232 |
| Minnesota | $65 | $134 |
| Mississippi | $68 | $135 |
| Missouri | $93 | $184 |
| Montana | $54 | $129 |
| Nebraska | $57 | $130 |
| Nevada | $137 | $248 |
| New Hampshire | $54 | $96 |
| New Jersey | $128 | $210 |
| New Mexico | $64 | $143 |
| New York | $94 | $169 |
| North Carolina | $63 | $124 |
| North Dakota | $48 | $103 |
| Ohio | $58 | $113 |
| Oklahoma | $72 | $160 |
| Oregon | $95 | $165 |
| Pennsylvania | $67 | $158 |
| Rhode Island | $97 | $173 |
| South Carolina | $79 | $147 |
| South Dakota | $42 | $127 |
| Tennessee | $60 | $123 |
| Texas | $99 | $204 |
| Utah | $84 | $143 |
| Vermont | $36 | $86 |
| Virginia | $75 | $122 |
| Washington | $71 | $131 |
| West Virginia | $68 | $139 |
| Wisconsin | $50 | $110 |
| Wyoming | $29 | $88 |
Honda Ridgeline Costs by Model Year and Insurance Company
A 2014 Honda Ridgeline costs an average of $174 monthly to insure for drivers aged 35 to 55, while a 2025 model jumps to $198 per month. Your Honda Ridgeline's model year and your age both dramatically impact insurance costs, with newer vehicles consistently commanding higher premiums. Teen and young adult drivers face much steeper rates across all model years than middle-aged drivers.
GEICO consistently offers the cheapest rates across all Honda Ridgeline model years and could save you hundreds monthly.Â
Older models (2017 to 2020):
Cost of Car Insurance for 2025 Honda Ridgeline
| Geico | $61 | $133 |
| Travelers | $71 | $131 |
| National General | $74 | $151 |
| Nationwide | $82 | $143 |
| Progressive | $86 | $159 |
| Kemper | $89 | $181 |
| State Farm | $90 | $188 |
| AAA | $104 | $215 |
| Amica | $111 | $227 |
| The Hartford | $112 | $191 |
| Chubb | $117 | $232 |
| Allstate | $125 | $242 |
| AIG | $126 | $311 |
| UAIC | $149 | $188 |
| Farmers | $157 | $278 |
Cost of Car Insurance for 2024 Honda Ridgeline
| Geico | $58 | $125 |
| Travelers | $67 | $123 |
| National General | $69 | $142 |
| Nationwide | $78 | $135 |
| Progressive | $81 | $150 |
| Kemper | $84 | $171 |
| State Farm | $85 | $177 |
| AAA | $98 | $203 |
| Amica | $105 | $214 |
| The Hartford | $106 | $180 |
| Chubb | $111 | $219 |
| Allstate | $118 | $228 |
| AIG | $119 | $293 |
| UAIC | $141 | $177 |
| Farmers | $148 | $262 |
Cost of Car Insurance for 2023 Honda Ridgeline
| Geico | $48 | $104 |
| Travelers | $55 | $102 |
| National General | $57 | $117 |
| Nationwide | $64 | $111 |
| Progressive | $67 | $124 |
| Kemper | $69 | $141 |
| State Farm | $70 | $146 |
| AAA | $81 | $168 |
| Amica | $86 | $177 |
| The Hartford | $87 | $149 |
| Chubb | $91 | $181 |
| Allstate | $98 | $188 |
| AIG | $98 | $242 |
| UAIC | $116 | $146 |
| Farmers | $123 | $216 |
Cost of Car Insurance for 2022 Honda Ridgeline
| Geico | $44 | $94 |
| Travelers | $50 | $93 |
| National General | $52 | $107 |
| Nationwide | $59 | $102 |
| Progressive | $61 | $113 |
| Kemper | $63 | $129 |
| State Farm | $64 | $133 |
| AAA | $74 | $153 |
| Amica | $79 | $161 |
| The Hartford | $80 | $136 |
| Chubb | $83 | $165 |
| Allstate | $89 | $172 |
| AIG | $89 | $221 |
| UAIC | $106 | $133 |
| Farmers | $112 | $197 |
Cost of Car Insurance for 2021 Honda Ridgeline
| Geico | $41 | $89 |
| Travelers | $47 | $87 |
| National General | $49 | $101 |
| Nationwide | $55 | $96 |
| Progressive | $57 | $107 |
| Kemper | $59 | $121 |
| State Farm | $60 | $126 |
| AAA | $69 | $144 |
| Amica | $74 | $152 |
| The Hartford | $75 | $128 |
| Chubb | $78 | $155 |
| Allstate | $84 | $162 |
| AIG | $84 | $208 |
| UAIC | $100 | $126 |
| Farmers | $105 | $186 |
Cost of Car Insurance for 2020 Honda Ridgeline
| Geico | $64 | $140 |
| Travelers | $79 | $146 |
| Progressive | $80 | $150 |
| National General | $80 | $164 |
| Kemper | $84 | $170 |
| State Farm | $93 | $194 |
| Nationwide | $95 | $165 |
| AAA | $108 | $223 |
| Allstate | $108 | $210 |
| The Hartford | $109 | $186 |
| Amica | $120 | $247 |
| Chubb | $133 | $266 |
| AIG | $137 | $343 |
| Farmers | $141 | $249 |
| UAIC | $148 | $187 |
Cost of Car Insurance for 2019 Honda Ridgeline
| Geico | $61 | $131 |
| Kemper | $73 | $149 |
| Travelers | $75 | $138 |
| National General | $75 | $154 |
| Progressive | $80 | $150 |
| State Farm | $84 | $175 |
| Nationwide | $94 | $162 |
| The Hartford | $94 | $160 |
| AAA | $98 | $202 |
| Allstate | $110 | $213 |
| Amica | $115 | $236 |
| AIG | $123 | $305 |
| Chubb | $126 | $249 |
| Farmers | $132 | $232 |
| UAIC | $141 | $176 |
Cost of Car Insurance for 2018 Honda Ridgeline
| Geico | $55 | $118 |
| Kemper | $61 | $123 |
| Travelers | $64 | $118 |
| National General | $68 | $138 |
| State Farm | $78 | $163 |
| The Hartford | $78 | $134 |
| Progressive | $80 | $149 |
| Nationwide | $84 | $145 |
| AAA | $86 | $178 |
| AIG | $105 | $250 |
| Amica | $106 | $216 |
| Chubb | $107 | $210 |
| Allstate | $108 | $208 |
| Farmers | $115 | $200 |
| UAIC | $131 | $161 |
Cost of Car Insurance for 2017 Honda Ridgeline
| Geico | $51 | $111 |
| Travelers | $62 | $114 |
| National General | $63 | $128 |
| The Hartford | $77 | $132 |
| State Farm | $79 | $164 |
| Progressive | $80 | $150 |
| Kemper | $82 | $169 |
| AAA | $84 | $175 |
| Nationwide | $86 | $149 |
| Amica | $99 | $201 |
| Chubb | $99 | $195 |
| Allstate | $103 | $199 |
| AIG | $103 | $248 |
| Farmers | $112 | $196 |
| UAIC | $130 | $161 |
Honda Ridgeline Insurance Cost by Trim
Insurance costs for your Honda Ridgeline vary dramatically by trim, from $68 monthly for minimum coverage on basic Rtx Pickup 4d 5 Ft models to $193 for full coverage on high-performance Trailsport+ variants. Performance features, rarity, and market value determine where each trim falls in this range.
| Rtx Pickup 4d 5 Ft | $68 | $131 |
| Black Edition Pickup 4d 5 Ft | $72 | $140 |
| Sport Pickup 4d 5 Ft | $73 | $142 |
| Rt Pickup 4d 5 Ft | $75 | $144 |
| Rtl-T Pickup 4d 5 Ft | $77 | $149 |
| Rts Pickup 4d 5 Ft | $77 | $149 |
| Rtl Pickup 4d 5 Ft | $78 | $152 |
| Rtl-E Pickup 4d 5 Ft | $80 | $155 |
| Se Pickup 4d 5 Ft | $82 | $159 |
| Sport | $84 | $163 |
| Black Edition Pickup 4d 5 Ft | $88 | $171 |
| Rtl | $89 | $172 |
| Sport+ | $89 | $174 |
| Black Edition | $93 | $181 |
| Trailsport | $94 | $182 |
| Rtl+ | $94 | $183 |
| Black Edition | $98 | $190 |
| Trailsport+ | $100 | $193 |
How to Lower the Cost of Honda Ridgeline Insurance
Here are proven strategies to lower your Honda Ridgeline insurance costs and find better rates:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Honda Ridgeline. Own your truck outright? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for pickup trucks. This benchmark assists with finding the cheapest car insurance companies offering competitive rates in your area.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget options might offer limited coverage or slower service.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Honda Ridgeline owners often qualify for safety features discounts, multi-vehicle savings, bundling discounts and good driver rewards that can reduce your premiums.
- 5Consider alternative car insurance types
Honda Ridgeline owners might benefit from usage-based insurance options such as Progressive Snapshot telematics or Allstate Drivewise safe driving apps that track driving habits and deliver premium reductions based on your actual driving behavior.
- 6Check rates every year
Get car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Honda Ridgeline insurance costs.
Honda Ridgeline Insurance Cost: Bottom Line
Honda Ridgeline insurance costs less than average, making it an affordable choice for truck buyers. You'll secure even better rates by comparing quotes from multiple insurers and maximizing available discounts.
Honda Ridgeline Insurance Rates: FAQ
What is the average cost of car insurance for a Honda Ridgeline?
Honda Ridgeline insurance costs average $948 annually for state minimum coverage and $1,835 for full coverage. These rates make it relatively affordable compared to other pickup trucks in its class.
What company has the cheapest car insurance for a Honda Ridgeline?
GEICO provides the most affordable auto insurance for Honda Ridgeline owners at $638 annually for minimum coverage. Those seeking full coverage will also find GEICO offers the best rates at $1,380 per year.
Are Honda Ridgelines expensive to insure?
No, Honda Ridgeline insurance is not expensive compared to most vehicles. The Ridgeline ranks 190th out of 827 vehicles for affordability, though it places 9th out of 40 pickup trucks in its category.
What factors affect insurance costs for Honda Ridgelines?
Various elements affect Honda Ridgeline insurance costs beyond your personal profile. Your driving record and credit score impact rates, along with the coverage levels you select. The Ridgeline's pickup truck classification and safety features also influence premiums insurers charge.
How can I lower Honda Ridgeline insurance costs?
Compare quotes from multiple insurers since Honda Ridgeline pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with home or renters insurance, and maintain a clean driving record to secure better rates.
How We Determined Honda Ridgeline Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Honda Ridgeline insurance costs.
Who We Based These Rates On
These Honda Ridgeline rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.