Honda is a Japanese auto manufacturer known for its innovation and reliability. For years, Honda has offered an alternative to the American-style muscle by offering an efficient and stylish automotive lineup that still has performance options. In 1937, Honda began as a manufacturer of piston rings that supplied Toyota. In 1949, Honda released their first motorcycle build and continuously marketed motorcycles until 1963. This was the year Honda released their first pickup truck and sports car. The S500 performance offering eventually led to the 1991 release of the groundbreaking Honda NSX supercar.
A Honda can be a great safety or performance vehicle, and it's important you keep it protected, regardless of the model. We have insurance breakdowns, including full coverage and other options, with several price points based on your vehicle. Select your model of Honda from the list below for these insurance breakdowns, as well as other helpful resources that can save you money.
Accord |
Civic |
Clarity |
|
Crosstour |
CR-V |
CR-Z |
|
Element |
Fit |
HR-V |
|
Insight |
Odyssey |
Passport |
|
Pilot |
Ridgeline |
Cost of Honda Insurance
The cost you pay for Honda insurance will depend on the model you drive, as well as personal factors, like your driving record and where you live. The average Honda auto insurance rate is $107 per month, which is comparable to the average monthly insurance premium across all vehicles – $106.
For some people, auto insurance rates for a Honda can vary considerably from the average noted above. That’s because there are a slew of factors that impact your auto insurance premium including your driving record, age, location, credit score, and the type of vehicle you drive.
The best way to ensure you’re getting a good rate on your auto insurance is to compare rates between different companies. We can help you cut down on the time it takes by comparing insurance rates from several companies at once.
Simply enter your zip code below and in about 5 minutes you’ll have personalized rate quotes from tons of insurance companies so you can determine the best choice for you.
Honda Car Insurance Rates by Model
As noted above, Honda auto insurance rates vary depending on the model of vehicle among other factors.
Below is a summary of the average monthly rate you can expect to pay for various Honda models followed by a breakdown for each model listed.
| Honda Model | Average Monthly Premium |
|---|---|
| ACCORD | $109 |
| CIVIC | $109 |
| CLARITY | $183 |
| CROSSTOUR | $130 |
| CR-V | $99 |
| CR-Z | $117 |
| ELEMENT | $82 |
| FIT | $117 |
| HR-V | $144 |
| INSIGHT | $110 |
| ODYSSEY | $92 |
| PASSPORT | $88 |
| PILOT | $110 |
| PRELUDE | $95 |
| RIDGELINE | $83 |
Based on this table, rates range from $82/mo with the Honda Element to $183/mo with the Honda Clarity. This wide range in premiums is based on several factors including the type of vehicle it is, the demographic more likely to drive it, the data around how often it’s stolen/broken into and the safety features it includes.
Accord
The Accord is a popular midsize sedan in the Honda lineup, and you’ll pay an average of $109 a month to insure it, making it pretty equal in price to how much Americans pay on average for auto insurance.
Civic
The Civic was recently named the 2022 North American Car of the Year, and it is a budget-friendly vehicle, starting at $22,350. Insurance rates match those of the Accord, at $109 per month.
Clarity
As a plug-in hybrid, the Honda Clarity is the most expensive vehicle in the lineup in terms of insurance rates. You’ll pay an average of $183 per month to insure one. Though keep in mind that production for this model was discontinued in August 2021, so you’ll only be able to find used models on the market.
Crosstour
The Honda Crosstour is a spinoff of the Accord, designed as a hatchback version of the popular sedan. It was discontinued in 2015, but if you still have one, it will cost an average of $103 per month in insurance premiums.
CR-V
The CR-V is Honda’s popular SUV, known for having plenty of cargo space. The average monthly insurance rate is $99.
CR-Z
The CR-Z was a sport hybrid coupe, discontinued in 2016 to make way for other models. This vehicle costs an average of $117 per month to insure.
Element
The Element was discontinued in 2011, though there have been rumors that Honda might bring this model back at some point. The Element was known for its boxy styling, and it was a compact SUV, marketed toward younger drivers. You’ll pay just $82 per month to insure one.
Fit
The Honda Fit was a subcompact vehicle, discontinued after 2020. If you still drive one, you can expect to pay $117 per month, on average, in insurance premiums.
HR-V
This crossover vehicle was taken out of production, but Honda has promised to release a new HR-V sometime in 2023. An entirely redesigned version of the previous HRV, the 2023 edition is expected to offer new styling on both the interior and exterior. The monthly insurance premium is $144.
Insight
The Honda Insight is a small hybrid vehicle that boasts a 52 mpg combined fuel economy. The monthly insurance premium runs at $110, on average.
Odyssey
The Odyssey is a family-friendly yet stylish Honda minivan, with a spacious cabin and folding seats. It costs just $92 per month to insure, making it one of the cheaper Honda models in terms of insurance costs.
Passport
The Passport is Honda’s mid-sized SUV, and it comes with an advanced traction management system to help you navigate less-than-ideal road conditions. Insurance rates are low, at an average of $88 per month.
Pilot
The spacious, three-row Pilot SUV seats up to eight people, and it comes with the same traction management system offered in the Passport. Its insurance premium is slightly higher than the Passport rate, at $110 per month.
Ridgeline
Rounding out the Honda lineup is the Ridgeline, which comes with premium features, such as a wireless phone charger and a moonroof. It is made for hauling, with a scratch-resistant bed and the ability to tow up to 5,000 pounds. Insurance premiums run at a reasonable $83 per month.
Honda Car Insurance Rates by Insurance Company
The average Honda vehicle costs $107 per month to insure, but rates can vary widely based on the insurance company. Below you’ll find the most affordable average Honda auto insurance rates available.
| Insurance Company | Monthly Premium |
| Aspire | $46 |
| Hugo | $52 |
| Commonwealth Casualty | $59 |
| National General | $61 |
| Infinity | $66 |
Aspire offers the lowest Honda insurance premiums, at $46 per month on average. They’re followed by Hugo at $52/mo, Commonwealth Casualty at $59/mo, National General at $61/mo and Infinity at $66/mo. While the monthly premium varies by $20 between the Aspire and the Infinity, they still charge much less than the national average for Honda insurance.
Keep in mind that your rates may vary from what is seen above, based upon the vehicle you drive, your personal driving record and other factors.
While the above insurance companies tend to provide the best rates to Honda drivers, the drawback is that they may not be available where you live.
For example, Aspire is only available to drivers who live in California, so if you’re located outside of this state, you won’t be able to take advantage of the cheap Honda auto insurance this company offers.
Commonwealth Casualty is also offered in only one state: Arizona. Honda drivers outside of this state will have to go elsewhere for cheap Honda insurance.
The best way to find the best auto insurance rate for you – regardless of where you live is to visit Compare.com to receive a free auto insurance quote that takes into consideration your unique circumstances. Or you can start the process by entering your zip code below.
Honda Features That Impact Insurance Cost
As we’ve mentioned there are various factors that can impact how much you pay to insure your Honda. We’ve already addressed the type of vehicle and insurance company, now here are some Honda features that can impact rates as well.
- Adaptive Cruise Control: Adaptive Cruise Control allows you to set your desired speed for cruise control while ensuring you don’t get too close to the vehicle ahead of you. This feature allows you to enjoy cruise control even if light traffic is present.
- Collision Mitigation Braking System: The Collision Mitigation Braking System determines whether there is potential for you to crash into an object ahead of you. If it determines the potential it will give you visual and audible warnings and take action by applying your brakes if you don’t respond.
- Forward Collision Warning: The Forward Collision Warning system alerts you of a potential collision ahead of you with both a visual and audible signal.
- Lane Keeping Assist System: The Lane Keeping Assist System uses a camera to detect whether you’re remaining in the middle of your life. If you begin to drift outside of your lane, it’ll guide you back where your vehicle should be.
- Road Departure Mitigation: The Road Departure Mitigation system uses a camera to identify lane markers on the road. When it detects your vehicle going outside those lines it’ll warn you and take action if you fail to react
Honda Car Insurance Discounts
If you want to save money on Honda car insurance, there are discounts available to reduce your costs. Here’s a list of common discounts you can secure through your auto insurance company in order to save on your premium.
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- Loyalty Discount: Your auto insurance company may lower your rates if you stick with the same company over an extended period.
- Good Student Discounts: Car insurance providers will often lower rates for students who maintain a 3.0 GPA or higher.
- Multi-Policy Discount: If you bundle your home and auto insurance with the same company, you’ll likely pay less for Honda insurance coverage because of your multi-policy discount.
- Safe Driving Discount: Some companies will offer lower car insurance rates for drivers who install a device in their car to track driving habits. Safe habits, such as accelerating and braking slowly, can earn you discounts.
- Payment Discount: You can also lower Honda auto insurance costs by agreeing to certain payment arrangements, such as setting up automatic billing through your bank account or agreeing to receive paperless statements.
Your individual Honda auto insurance discounts will vary based upon your insurance provider and your type of policy. It may be beneficial to call your auto insurance company directly to ask about available discounts, as they do not always advertise them or automatically apply them to your policy.
Keep in mind that the insurance rates listed here are just averages that should be used as guidelines. For individual Honda car insurance rates, visit Compare.com and get a personalized quote within minutes, free of charge!
