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Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her work has appeared on The Huffington Post, Business Insider, Kiplinger’s, MSN Money, and The Washington Post, and she’s been writing for Compare.com since 2023. Her background in education allows her to help people relate to and understand complex financial topics.
She’s the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand-new book, Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Japanese automaker Honda started selling vehicles in the United States in 1959 with only an eight-person staff. From those humble beginnings, Honda has become one of America’s most trusted and popular automakers. In fact, the Honda CR-V was No. 6 of the top 10 bestselling cars in the United States in 2022, according to Edmunds.
Honda’s reputation for reliability may help explain the average cost of insuring these popular vehicles. The average cost of Honda car insurance is $141 per month, while the national average for all vehicle makes and models is $146 per month.
Here’s how to find the best and most affordable car insurance companies for your Honda.
The Odyssey is the least expensive Honda to insure, with an average monthly rate of $112.
Dairyland has the cheapest average car insurance rates for the CR-V, Accord, Civic, Pilot, Odyssey, and Passport.
On average, Honda hybrid owners pay $33 more per month for full-coverage insurance than Honda ICE owners.
The car model you drive can influence your car insurance premium. Liability-only coverage costs an average of $121 per month across all Honda models, while full coverage costs an average of $207, according to Compare.com data.
The table below shows how the specific model you drive can affect your Honda car insurance costs.
Honda Model | Average Monthly Quote |
|---|---|
| Accord | $148 |
| Civic | $147 |
| CR-V | $129 |
| HR-V | $171 |
| Odyssey | $112 |
| Passport | $151 |
| Pilot | $130 |
| Ridgeline | $115 |
The Odyssey minivan is the least expensive Honda to insure at $112 per month. This family vehicle comes with many standard safety features that could help lower your insurance premium — and it’s more likely to have experienced drivers behind the wheel instead of younger drivers.
Additionally, the Odyssey has been around for decades — older models are much cheaper to insure than new cars — which helps lower the average cost.
At the other end of the spectrum, the HR-V is the most expensive Honda to insure. Insurance rates are likely higher for this model because it’s a newer offering in the Honda lineup.
Honda sells traditional internal combustion engine (ICE) vehicles and hybrids. Traditional ICE vehicles run solely off gasoline, while hybrid models use a combination of a gasoline engine and an electric motor to maximize fuel economy.
But prospective buyers may not realize that there’s a price difference between insuring a hybrid and an ICE Honda vehicle. Full-coverage insurance for a Honda hybrid is $239 per month, while the same coverage for a Honda ICE vehicle is only $206.
However, both hybrid and ICE Honda drivers can expect to pay an average of $121 per month for liability-only coverage, according to Compare.com data.
The difference between Honda’s hybrid and ICE insurance costs for full coverage probably stems from the complexity of hybrid engines and electric components. Since hybrid vehicles have more complex engine systems, repairs can potentially be more expensive.
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As previously mentioned, insurance costs can vary by Honda model — different insurers can also set their premium prices differently for the same model. Understanding the range of average monthly costs for each model can help you find the right insurer for your Honda.
The Honda CR-V — introduced in 1997 — is a cross between a car and an SUV. Honda sold over 238,000 of these vehicles in 2022, and the MSRP starts at $28,410 for the 2023 model year.
Here are the average monthly quotes for CR-V car insurance from five of the cheapest car insurance companies.
Insurance Company | Average Monthly Quote |
|---|---|
| Dairyland | $78 |
| Aspire | $81 |
| Mercury | $90 |
| Liberty Mutual | $100 |
| Commonwealth Casualty | $105 |
Dairyland offers the cheapest average quote for Honda CR-V drivers, at $78 per month. It’s less expensive to insure than the average SUV, which may in part be due to the CR-V’s lower initial cost compared to other sport utility vehicles.
Read more: Honda CR-V Car Insurance: How Much Should You Expect to Pay?
The Accord has been one of the longest-running vehicles in Honda’s lineup. Originally manufactured in 1976 as a three-door hatchback, the Accord has become America’s bestselling car over the last 50 years. Honda sold over 154,600 Accords in 2022, and the starting MSRP for the 2023 model is $27,295.
The table below shows the average monthly quotes for Accord car insurance from five of the cheapest insurers.
Insurance Company | Average Monthly Quote |
|---|---|
| Dairyland | $78 |
| Aspire | $93 |
| Liberty Mutual | $109 |
| Mercury | $116 |
| Clearcover | $121 |
The Honda Accord costs about the same to insure as other sedans, although Dairyland offers the lowest average quote, at $78 per month, according to our analysis. Since Accords have been around for five decades, the age of your Accord will probably affect how much you pay in insurance.
Read more: Honda Accord Car Insurance: How Much Should You Expect to Pay?
The oldest model in Honda’s lineup, the Civic debuted in 1972. This compact economy car is available as a sedan or a hatchback and offers sport and touring trims. Honda sold over 133,930 Civics in 2022 (which was down a great deal from its 2021 sales of over 263,780 Civics). The 2023 model has a starting MSRP of $23,750.
The five auto insurance companies in the table below have the cheapest average monthly quotes for Honda Civics.
Insurance Company | Average Monthly Quote |
|---|---|
| Dairyland | $87 |
| Aspire | $97 |
| Liberty Mutual | $101 |
| Mercury | $110 |
| Commonwealth Casualty | $117 |
At $87 per month, Dairyland offers the cheapest average monthly quote for Honda Civics. The cost of insuring a Civic is about the same as insurance for the average car, according to our analysis.
Since the Civic celebrated its 50th birthday in 2022, there are a number of model years to choose from. That means the age of your Civic will likely affect the cost of your insurance.
Read more: Honda Civic Car Insurance: How Much Should You Expect to Pay?
The Honda HR-V is a budget subcompact SUV that is significantly smaller than its big brother, the compact CR-V. Honda sold over 115,400 HR-Vs in 2022, and the base MSRP for the 2023 model is $23,800.
Here are the average monthly quotes for HR-V car insurance from five of the cheapest insurance companies.
Insurance Company | Average Monthly Quote |
|---|---|
| Clearcover | $116 |
| Mercury | $118 |
| JustInsure | $122 |
| Sun Coast | $125 |
| Liberty Mutual | $129 |
Clearcover offers the cheapest coverage for Honda HR-V drivers, with an average monthly quote of $116, according to Compare.com data. Despite being much smaller than the average SUV, the cost to insure an HR-V is similar to the cost for other SUVs.
Read more: Honda HR-V Car Insurance: How Much Should You Expect to Pay?
The Honda Pilot was first introduced in 2003, and this midsize crossover SUV has been an integral part of the Honda lineup ever since. Honda sold over 99,560 Pilots in 2022, and the base MSRP for the 2023 model is $36,300.
We compared the average monthly quotes for Honda Pilots from the five cheapest insurance companies in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| Dairyland | $74 |
| Sun Coast | $88 |
| First Chicago | $103 |
| The General | $131 |
| Elephant | $134 |
On average, the Honda Pilot costs less to insure than other SUVs in its class. Dairyland offers the lowest average monthly quote for Honda Pilot insurance, at $74 per month.
Read more: Honda Pilot Car Insurance: How Much Should You Expect to Pay?
The Honda Odyssey — the automaker’s first minivan — debuted in 1995 and quickly became a common sight at school pickups. The Odyssey has undergone five generations of updates and continues to be a popular choice for families — although sales have decreased in the last few years.
Honda sold 47,615 Odysseys in 2022, down from 76,125 in 2021. The 2023 Odyssey has a base MSRP of $37,340.
Below are the average monthly quotes for Odyssey car insurance from the five of the cheapest auto insurance companies.
Insurance Company | Average Monthly Quote |
|---|---|
| Dairyland | $60 |
| Sun Coast | $75 |
| First Chicago | $82 |
| Commonwealth Casualty | $94 |
| Elephant | $104 |
The Honda Odyssey costs less to insure than other minivans — and Dairyland offers the lowest average monthly quote, at $60 per month. The Odyssey’s lower insurance cost may partially be related to how long this model has been on the road.
With nearly 30 model years available — from 1995 to 2024 — the age of your Odyssey can affect its insurance costs. The fact that families purchase these vehicles may also keep insurance costs low since parents are more likely to drive defensively with their kids in the car.
Read more: Honda Odyssey Car Insurance: How Much Should You Expect to Pay?
First introduced in 2004, the Honda Ridgeline is the automaker’s first pickup truck offering since the 1960s. Honda sold more than 42,760 Ridgelines in 2022, and the base MSRP for the 2023 model of this midsize pickup is $38,800.
Here are the average monthly quotes for Ridgeline car insurance from five of the cheapest insurance companies.
Insurance Company | Average Monthly Quote |
|---|---|
| First Chicago | $65 |
| Dairyland | $82 |
| Sun Coast | $83 |
| Mercury | $105 |
| GAINSCO | $112 |
First Chicago has the cheapest Ridgeline car insurance, with an average monthly quote of only $65 per month. The Ridgeline costs less to insure than the average pickup truck, in part because it’s less expensive than other trucks on the market.
Read more: Honda Ridgeline Car Insurance: How Much Should You Expect to Pay?
Honda offered a vehicle called the Passport starting in 1994, but it was actually a rebadged Isuzu Rodeo with some minor Honda-specific modifications. That version of the Passport was retired in the early 2000s, but in 2019, Honda dusted off the Passport name when it introduced a new generation of this midsize SUV.
Honda sold over 41,300 Passports in 2022 — down from the over 53,130 sold in 2021. The 2023 Passport has a base MSRP of $41,100.
We list the average monthly quotes for Passport car insurance from five of the cheapest insurers in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| Dairyland | $52 |
| Sun Coast | $66 |
| The General | $79 |
| Mile Auto | $95 |
| Mercury | $106 |
Honda Passport drivers may find the cheapest coverage from Dairyland, which has an average monthly quote of $52 per month. The Honda Passport costs less to insure than the average SUV.
J.D. Power reports that the median age of a new Honda Passport buyer is 59. The lower cost of Passport insurance may be related to the average age of its drivers. Insurance premiums tend to decrease with age — until drivers reach their 70s.
Read more: Honda Passport Car Insurance: How Much Should You Expect to Pay?
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Honda drivers can choose from a variety of insurance options — but keep in mind your state or lender may require you to have certain coverages. Here are some of the most common types of coverage:
Bodily injury liability: Most states require drivers to have this coverage, which pays for the cost of medical bills and other associated expenses of someone injured in an accident you cause.
Property damage liability: Nearly all states require drivers to have this coverage, which pays for the cost of repairing or replacing someone else’s property that is damaged in an accident you cause.
Collision coverage: No states legally mandate collision coverage — although Honda drivers who lease their vehicles may be required to have it as a condition of the lease. Collision coverage pays to repair or replace your vehicle if it’s damaged in an accident, no matter who’s at fault.
Comprehensive coverage: This optional coverage pays for your vehicle’s repair or replacement if it’s damaged by anything other than a car accident, such as theft, vandalism, or bad weather.
Personal injury protection (PIP): Some states require drivers to purchase PIP coverage. This pays for your medical bills and associated expenses if you’re hurt in an accident, no matter who caused it.
Uninsured/underinsured motorist coverage: Another coverage required in some states, uninsured/underinsured motorist coverage pays for your medical bills and associated expenses if you’re injured in an accident that an uninsured or underinsured driver causes.
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Finding the right Honda car insurance depends on your circumstances, including what model you drive, your driving history, location, credit history, and age. Here are answers to some of the most commonly asked questions about Honda car insurance.
Dairyland Insurance offers the lowest average monthly quote for most Honda models. The specific average monthly quote varies from model to model, but Dairyland offers the cheapest insurance quotes for the CR-V, Accord, Civic, Pilot, Odyssey, and Passport.
The average cost of insuring a Honda is nearly the same as the average cost of insurance for all cars — $141 per month. Some Hondas, such as the Odyssey and the Passport, have lower average insurance costs compared to all cars on the road, while others, like the HR-V, have higher average insurance costs.
How much insurance costs for your Honda depends on a number of factors, including the vehicle model and age and your ZIP code, driving history, and annual mileage. That said, the average cost of Honda car insurance is $141 per month, while the national average for all vehicle makes and models is $146 per month.
Honda Elements have an average monthly insurance premium of $112 per month. However, the cheapest insurer for Honda Elements is Dairyland, which has an average monthly premium of $71 per month.
Sources
Honda Global, “Establishing American Honda Motor Co. / 1959,” accessed Sept 27, 2023.
Edmunds, “Most popular cars in America,” accessed Sept 27, 2023.
Car Figures, “Honda CR-V US Sales Figures,” accessed Sept 27, 2023.
Honda Auto News, “Honda Accord Timeline and Milestones,” accessed Sept 27, 2023.
Car Figures, “Honda Accord US Sales Figures,” accessed Sept 27, 2023.
Car Figures, “Honda Civic US Sales Figures,” accessed Sept 27, 2023.
Car Figures, “Honda HR-V US Sales Figures,” accessed Sept 27, 2023.
Car Figures, “Honda Pilot US Sales Figures,” accessed Sept 27, 2023.
Car Figures, “Honda Odyssey US Sales Figures,” accessed Sept 27, 2023.
Car Figures, “Honda Ridgeline US Sales Figures,” accessed Sept 27, 2023.
Auto Trader, “A Brief History of the Honda Passport,” accessed Sept 27, 2023.
Car Figures, “Honda Passport US Sales Figures,” accessed Sept 27, 2023.
J.D. Power, “2022 Honda Passport Review Update,” accessed Sept 27, 2023.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her work has appeared on The Huffington Post, Business Insider, Kiplinger’s, MSN Money, and The Washington Post, and she’s been writing for Compare.com since 2023. Her background in education allows her to help people relate to and understand complex financial topics.
She’s the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand-new book, Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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