How Much is Honda Insurance? Compare Quotes by Model

For drivers with a Honda, insurance costs an average of $1,194 per year. This is relatively inexpensive. However, costs can change significantly depending on which Honda model you own. To accommodate different drivers, MoneyGeek broke down costs for Honda’s major models by model year and driver’s age.

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Last Updated: 3/15/2022
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The cost to insure a Honda can change depending on the model. For instance, the Honda Odyssey is the cheapest to insure, costing an average of $1,068 per year. This is $271 less than the Honda Passport, which is the most expensive car to insure. To help you find the average rates and companies that are the cheapest for your vehicle, MoneyGeek broke down the costs of all major Honda models.

How Much Honda Insurance Costs on Average - Summary by Model

Auto insurance premiums can change based on a number of different factors. One factor is your car’s model. The list below shows how Honda car insurance costs can vary based on your model.

  • Honda Odyssey - $1,068 per year
  • Honda CR-V - $1,099 per year
  • Honda Pilot - $1,133 per year
  • Honda Fit - $1,141 per year
  • Honda HR-V - $1,168 per year
  • Honda Accord - $1,234 per year
  • Honda Ridgeline - $1,247 per year
  • Honda Insight - $1,262 per year
  • Honda Civic - $1,311 per year
  • Honda Passport - $1,339 per year

Certain cars have a high manufacturer's suggested retail price (MSRP) or expensive repair costs, which is why insurance costs can vary depending on the model. Models with a high horsepower are also considered risky, plus the likelihood of theft can increase rates. Conversely, cars that are less valuable are cheaper to repair or replace, making them cheaper to insure.

Honda Annual Insurance Costs by Model

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Are Hondas Expensive to Insure?

While the average cost to insure all Honda models is relatively inexpensive, this can change based on factors unique to you along with your car’s model rather than its brand. Fortunately, an analysis of 10 of Honda’s most popular models shows that all models are cheap to insure.

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WHY HONDA COSTS DIFFER BY MODEL

The most affordable Honda model to insure is the Honda Odyssey, costing an annual average of $1,068. This is thanks to its low value and low horsepower. Less expensive cars are easier to repair or replace, while low horsepower cars are less likely to get into accidents.

On the other hand, the Honda Passport is the most expensive model to insure at an average of $1,339 per year. Although this is still inexpensive and both cars have low horsepower, the higher rate is due to its higher MSRP of $33,110, compared to the $31,910 MSRP of the Honda Odyssey.

How Much is Insurance for a Honda Passport?

A Honda Passport costs an average of $1,339 per year to insure across all model years. This model ranks as the most expensive one amongst the 10 Honda models MoneyGeek analyzed but is still considered inexpensive compared to other cars from different brands.

GEICO offers the cheapest auto insurance per year for this model at $1,205 per year on average, while Allied has the most expensive premium at an average of $1,713 per year.

Honda Passport Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT HONDA PASSPORT INSURANCE COSTS

The actual cost to insure a Honda Passport depends on the model year, your characteristics as a driver and the type of coverage you’re looking for.

How Much is Insurance for a Honda Civic?

On average, the Honda Civic costs $1,311 per year to insure across all model years. Ranking as the second most expensive car out of the 10 Honda models MoneyGeek analyzed, the Honda Civic is still considered inexpensive to insure compared to other models.

The most affordable insurer for this model is GEICO, with rates averaging $1,063 per year. This is $813 cheaper than Allied, the most expensive insurance provider for this model.

Honda Civic Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT HONDA CIVIC INSURANCE COSTS

Auto insurance premiums for a Honda Civic can change depending on the model year, your driving characteristics and the amount of coverage you need.

How Much is Insurance for a Honda Insight?

For drivers with a Honda Insight, insurance costs $1,262 per year on average. Among the 10 Honda models that MoneyGeek analyzed, the Honda Insight ranks third in terms of expense when compared to other Honda models but is still considered inexpensive when compared to other vehicles.

GEICO has the most affordable car insurance policies for this model, costing $1,044 per year on average. Conversely, Allied has the most expensive policy at an average of $1,662 per year.

Honda Insight Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT HONDA INSIGHT INSURANCE COSTS

As with any car, the cost of auto insurance for a Honda Insight depends on various factors, such as the model’s year, your driver characteristics and the level of coverage you’re getting.

How Much is Insurance for a Honda Ridgeline?

It costs an average of $1,247 per year to insure the Honda Ridgeline. This ranks fourth in terms of expense amongst the 10 Honda models MoneyGeek evaluated but is considered inexpensive when pitted against other models.

The most affordable provider for this model is GEICO, offering policies at an average of $1,076 per year, while Allstate has the most expensive policy at $1,525 per year on average.

Honda Ridgeline Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT HONDA RIDGELINE INSURANCE COSTS

Auto insurance costs for a Honda Ridgeline can still change depending on your car’s model year, the type of coverage you’re getting and other factors unique to you, such as your age, driving history and more.

How Much is Insurance for a Honda Accord?

Drivers of the Honda Accord pay an average of $1,234 per year for auto insurance. Compared to other models from different brands, this is considered inexpensive but ranks as the fifth most expensive car out of the 10 Honda models MoneyGeek analyzed.

Among seven insurance providers, GEICO has the cheapest car insurance policy for a Honda Accord, at an average of $1,058 per year. This is $458 cheaper than Allstate’s policy, which is the most expensive provider for this model at $1,516 per year on average.

Honda Accord Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT HONDA ACCORD INSURANCE COSTS

The actual cost to insure a Honda Accord depends on various factors, such as your age, driving record, location and more. Your car’s model year also plays a role, along with the level of coverage you’re looking for.

How Much is Insurance for a Honda HR-V?

Honda HR-V owners pay an average of $1,168 per year to insure their cars. This model ranks as the sixth most expensive vehicle out of the 10 most popular Honda models that MoneyGeek assessed but is still considered inexpensive compared to other models from other brands.

The most affordable auto insurance provider for the Honda HR-V is GEICO, which offers policies for this model at an average of $921 per year. Conversely, Allied is the most expensive insurer for Honda HR-V owners, as they charge an average of $1,450 per year.

Honda HR-V Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT HONDA HR-V INSURANCE COSTS

Keep in mind that for all Honda models, insurance quotes can change depending on your car’s model year, how much coverage you want and other factors unique to you.

  • Car insurance costs depend on the model year of your Honda HR-V, with rates ranging an average of $1,124 to $1,211 for the 2016 to 2020 models.
  • An 18-year-old driver with a Honda HR-V will pay an average of $3,811 for auto insurance, which is $2,643 more than the cost to insure a 40-year-old driver.
  • If you want to find the best car insurance for a Honda HR-V and insurance premiums aren’t a concern, MoneyGeek also took a look at the different insurance providers for this model and analyzed their claims ratings, user satisfaction and financial stability.

How Much is Insurance for a Honda Fit?

To insure a Honda Fit, drivers should expect to pay an average of $1,141 per year. This is still considered relatively inexpensive as opposed to other models and ranks as the seventh most expensive vehicle amongst the 10 Honda cars analyzed by MoneyGeek.

GEICO has the cheapest auto insurance policies for this model, costing $942 on average per year. On the other hand, Allied has the highest premiums for the Honda Fit at an average of $1,500 per year.

Honda Fit Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT HONDA FIT INSURANCE COSTS

Although MoneyGeek provided an average, keep in mind that the cost to insure your Honda Fit can change drastically based on different factors. These factors include the model year of your car, how much coverage you need and personal factors such as your age, driving record, location and more.

  • The model year of your Honda Fit plays a role in your insurance premiums, with rates ranging from an average of $1,014 to $1,210 for model years between 2007 and 2020.
  • Young drivers can have significantly higher premium costs. Auto insurance rates for an 18-year-old driver with a Honda Fit stand at an average of $3,724 per year, which is roughly $2,538 higher than the cost to insure a 40-year-old.
  • If costs are not a concern, MoneyGeek also looked for the best auto insurance for a Honda Fit by analyzing different providers and their claims ratings, user satisfaction and financial stability.

How Much is Insurance for a Honda Pilot?

It costs an average of $1,133 per year to insure a Honda Pilot. This ranks as the eighth most expensive vehicle amongst other Honda models in terms of average insurance rates but is still considered inexpensive among other models and brands.

The cheapest insurer for the Honda Pilot is GEICO, with policies averaging $997 per year. Allied has the most expensive policies at an annual average of $1,359. Keep in mind, however, that the cheapest policy does not necessarily mean it is the best option.

Honda Pilot Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT HONDA PILOT INSURANCE COSTS

Car insurance premiums for a Honda Pilot depend on a number of factors. This means that MoneyGeek’s average may be far from what is offered to you since auto insurers also consider your model year, driver characteristics and the type of coverage you need.

  • The model year of your Honda Pilot can affect your rates significantly. Premiums can range between $1,031 and $1,244 for this model for models between 2005 and 2020.
  • Age is a significant factor in determining insurance premiums; 18-year-old drivers with a Honda Pilot pay an average of $3,699 per year for auto insurance, which is $2,566 higher than for 40-year-old drivers.
  • To find the best car insurance for a Honda Pilot, MoneyGeek evaluated insurance providers based on their claims ratings, financial stability and user satisfaction.

How Much is Insurance for a Honda CR-V?

A Honda CR-V costs an average of $1,099 per year to insure. This is inexpensive compared to other brands and models and ranks as the ninth most expensive car amongst other Honda models that MoneyGeek analyzed.

The most affordable insurer for the Honda CR-V is GEICO, which offers car insurance policies at an average of $900 per year. Allied, on the other hand, is the most expensive insurer for this model, offering policies at $1,361 per year on average.

Honda CR-V Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT HONDA CR-V INSURANCE COSTS

Keep in mind that insurance costs for the Honda CR-V can change due to different factors. For instance, your age, location and level of coverage can all significantly affect your rates. Your car’s model year can also affect your premiums, as some older cars may lack modern anti-theft technology.

How Much is Insurance for a Honda Odyssey?

Ranking as the tenth most expensive Honda model that MoneyGeek analyzed, the Honda Odyssey costs an average of $1,068 per year to insure. Compared to other models across other makes of vehicle, this is an inexpensive car.

GEICO stands as the cheapest insurer for this model, with auto insurance policies averaging $928 per year. On the other hand, the most expensive insurer for the Honda Odyssey is Allstate, with policies averaging $1,252 per year.

Honda Odyssey Annual Insurance Costs

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EVERYTHING YOU NEED TO KNOW ABOUT HONDA ODYSSEY INSURANCE COSTS

Auto insurance rates for the Honda Odyssey and any other car can change significantly based on different factors. Insurers look at your car’s model year, your level of coverage and your driving characteristics to determine premiums, which is something to keep in mind despite the average rate MoneyGeek provided.

FAQs About Honda Insurance

For drivers with a Honda, insurance rates can be a confusing topic as they differ based on the model and its year. Read the answers to the frequently asked questions below to get a better idea of how much you might expect to pay.

Methodology

MoneyGeek collected information about insurance provider rates for Hondas using a sample driver profile. In this scenario, the driver is a 40-year-old male purchasing a full coverage policy with the following coverages:

  • $100,000 in bodily injury liability insurance per person
  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident
  • Comprehensive and collision insurance with a $1,000 deductible

Rates represent averages and can provide guidance on what prices to expect but won’t match your specific rates.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.