Compare the Cost of Honda Ridgeline Insurance by Model Year and Company

MoneyGeek found that the average cost of insurance for a Honda Ridgeline is $1,247 per year. This model is inexpensive to insure compared to the average across all car models. Keep in mind that actual costs differ depending on the model year of the car as well as the insurer.

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Last Updated: 5/18/2022
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If you want to purchase the best insurance for your Honda Ridgeline, it may be beneficial to shop around. Insurance providers set rates differently based on the car’s model year as well as the driver’s profile. Comparing prices from multiple insurers helps you find the best policy.

Key Takeaways for Honda Ridgeline Insurance

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On average, it costs about $1,247 per year to insure a Honda Ridgeline, which is $180 less than the average for all car models.

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Insurance rates for a Honda Ridgeline may differ by as much as $449 depending on the insurer.

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Honda Ridgeline insurance rates may vary by as much as $283 based on the model year of the car. Insurance providers charge higher premiums for newer models.

How Much It Costs to Insure a Honda Ridgeline and the Cheapest Company

The average insurance cost for a Honda Ridgeline is $1,247 per year, but actual rates vary greatly from one provider to the next. The cheapest car insurance rate for a Honda Ridgeline is from GEICO, with an average annual cost of $1,076. The cost difference between GEICO and the most expensive insurer, Allstate, is roughly $449.

The Average Annual Cost of Honda Ridgeline Insurance by Company

MoneyGeek collected insurance quotes using the sample profile of a 40-year-old male with 100/300/100 liability insurance, including comprehensive and collision coverage.

The Average Cost to Insure a Honda Ridgeline by Company

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Insurance Rates

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Is a Honda Ridgeline Expensive to Insure?

Insurance companies consider several factors when they set insurance costs for each car model. If you drive an expensive car or one that is prone to accidents or theft, you will likely pay more for insurance.

Overall, insuring a Honda Ridgeline tends to be inexpensive, costing $180 less than the average across all models. MoneyGeek found that the model’s low value and low horsepower contribute to its low insurance rate. Low-value cars are less expensive to repair in case of an accident, and less powerful cars are less likely to get into a major accident.

The Best Car Insurance Company for a Honda Ridgeline

While searching for Honda Ridgeline insurance quotes, you should consider other factors aside from cost.

MoneyGeek’s scoring system considered factors such as financial stability, customer complaints, affordability and customer satisfaction. Our analysis found that:

  • USAA is the best insurer for a Honda Ridgeline. However, their policies are exclusively for military families.
  • GEICO is ranked second and is the best option for drivers who are not in the military.

1
USAA
Score:96.9

4.8/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:89.5

5/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
Progressive
Score:85.2

4.6/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

4
State Farm
Score:84.1

4.4/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

5
Nationwide
Score:80

4/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

6
Allied
Score:NaN

3.1/5

Affordability

#N/A

Claims Ratings

#N/A

User Satisfaction

#N/A

Financial Stability

7
Allstate
Score:69

3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

How Much It Costs to Insure a Honda Ridgeline by Model Year

Newer Honda Ridgeline models are more expensive to insure than older models. This is because comprehensive and collision insurance costs generally go down as the car depreciates in value.

For example, the 2010 Honda Ridgeline’s average car insurance costs are up to $283 per year less than a 2020 model.

The average insurance rates for the Honda Ridgeline by model year are:

  • 2010 Honda Ridgeline: $1,103 per year
  • 2017 Honda Ridgeline: $1,253 per year
  • 2018 Honda Ridgeline: $1,323 per year
  • 2019 Honda Ridgeline: $1,352 per year
  • 2020 Honda Ridgeline: $1,386 per year

Insurance companies also charge different rates for each model year. For the 2020 Honda Ridgeline model, the cheapest insurer is GEICO, costing around $1,132 per year.

Select your model year below to see how rates from different companies vary for your model year.

The Average Cost to Insure a Honda Ridgeline by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2010 model)
  • 1.
    $1,132
    $1,120
    $1,109
    $1,084
    $1,011
  • 2.
    $1,229
    $1,208
    $1,190
    $1,147
    $952
  • 3.
    $1,424
    $1,333
    $1,256
    $1,067
    $998
  • 4.
    $1,279
    $1,281
    $1,282
    $1,285
    $1,087
  • 5.
    $1,258
    $1,286
    $1,310
    $1,368
    $1,274

How Expensive Is It to Insure a Honda Ridgeline Compared to Other Cars?

Is a Honda Ridgeline expensive to insure? Auto insurance for a Honda Ridgeline is inexpensive. Drivers pay an average of $1,247 per year, which is $180 lower than the national average across all vehicles.

How Much It Costs to Insure a Honda Ridgeline for 16- to 25-Year-Olds

Due to a lack of driving experience, young drivers pay higher premiums for car insurance regardless of the vehicle type.

For instance, the average annual Honda Ridgeline insurance cost for an 18-year-old is $4,071, which is $2,824 more than what 40-year-old drivers pay for the same coverage.

To save on costs, parents may consider adding their teen children to their insurance policy. Purchasing separate coverage for a teenage driver is usually more costly.

You can compare costs for young drivers between the age of 16 and 25 using the table below.

The Average Cost to Insure a Honda Ridgeline by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $5,219
  • 17
    $4,624
  • 18
    $4,071
  • 19
    $2,916
  • 20
    $2,603
  • 21
    $2,060
  • 22
    $1,898
  • 23
    $1,737
  • 24
    $1,630
  • 25
    $1,479
  • 40
    $1,247

How Does Location Affect the Cost of Honda Ridgeline Insurance?

The rates in this guide are based on national averages. That means your actual cost may differ based on your location. Find more about car insurance in your state in MoneyGeek’s state page analysis.

FAQs About Honda Ridgeline Insurance

The model of your car significantly affects how much you pay for insurance, although it is not the only factor. Learn more about Honda Ridgeline insurance by reading the answers to some frequently asked questions.

Read More About Car Insurance

Methodology

MoneyGeek collected thousands of car insurance quotes for the Honda Ridgeline across all its available model years. All collected rates are for a full coverage policy with these limits:

  • $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 deductible of $1,000

The costs in this guide are only estimates and should not be taken as actual costs. They should only serve as a guide when comparing rates between insurers.

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.