It costs less to insure a Honda Passport than the average SUV.
Full coverage auto insurance for a Passport averages around $145 monthly, on average, while liability only insurance generally comes in at about $71 per month.
NationalGeneral is the most affordable car insurance company for a Passport with a national average of just $39 a month for liability only coverage.
In This Article
The Honda Passport is a great budget-friendly SUV for drivers of all types, with new 2021 models starting at $32,590. Not only is it on the affordable end of the spectrum when it comes to overall price point, it's also a smart budget option when thinking about your insurance premiums.
We ran through thousands of auto insurance quotes on Compare.com, and we've determined that average Honda Passport car insurance prices run around $147 per month. But where does that fall compared to the rest of the market?
|Current Base Price||$32,590|
|Trim Levels||TOURING, ELITE, SPORT, EXL|
|Average Insurance Premium||$147/mo.|
|Cheapest Insurance Company||NationalGeneral|
How Much is Car Insurance for a Honda Passport?
|Vehicle||Liability Only||Full Coverage|
|All Honda Models||$84||$166|
|Average Insurance Premium||$81||$169|
You can see in the table above that when you compare the Honda Passport to other vehicles, insurance rates are lower than average. Passport owners normally pay about $71 monthly for liability insurance, and around $145 per month for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).
When compared to other Honda models, the Passport is more affordable, with prices more than 10% lower than the rest of the manufacturer's vehicle lineup. Compared to SUV offerings from other brands, insurance for a Passport is also more affordable, with liability only insurance premiums coming in about $10 less and $7 less for full coverage.
Impressively, they're overall more affordable to insure than the average vehicle, regardless of make, model, or body style.
Who has the Cheapest Car Insurance for a Honda Passport?
|Insurance Company||Average Monthly Premium|
If you're looking for a car insurance policy for a Honda Passport, you're likely wondering which carrier offers the most affordable premiums. Although there will never be one company that offers the cheapest rates for everyone, Hugo offers the lowest average rates for liability only coverage, with rates sometimes as low as $37 monthly. The next most affordable carrier is NationalGeneral, who offers auto insurance sometimes as little as $39 a month.
The third, fourth, and fifth carriers on the list are MetLife, Esurance, and SafeAuto. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.
Insurance carriers use a whole range of different things and complex formulas to calculate rates. The only way to guarantee you find the cheapest rates is to compare quotes from a whole range of insurance companies.
What Factors Affect Car Insurance Rates for a Honda Passport?
As we mentioned above, there are a bunch of factors that car insurance carriers examine to decide how much they charge you for a policy -- and each company weighs certain factors more than others, so there's not a single carrier that's the lowest for every Passport driver.
Below are just a few of the variables auto insurance companies look at and how each one affects your final rate:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$72|
|4-5 Years||Not Enough Data|
|6-7 Years||Not Enough Data|
|8-10 Years||Not Enough Data|
|11-14 Years||Not Enough Data|
|15 Years or Older||Not Enough Data|
Honda has been making the Passport for a couple years, so the car's age may play a big role in how much you'll pay for car insurance. Usually, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Passports begin to depreciate, insurance costs will gradually get lower.
Based on the information in the table above, the Honda Passport is in line with this trend, as the most expensive models to insure are those that are 1 year old or less, while on average, the cheapest models are Passports that are 2 to 3 years old.
|Age||Average Monthly Premium|
|Under 18||Not Enough Data|
|65 or Older||$74|
Your age is another factor that plays a role in how much insurance carriers will charge. Based on the information in the table above, the youngest drivers pay a lot more compared to drivers with more experience. In this case, drivers aged 18 to 24 pay $39 more than those 25 or older.
Car insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Passport.
|Gender||Average Monthly Premium|
Did you know men tend to pay more for car insurance than women? This is because men are more likely to get tickets and get into collisions, which raises the chances of an insurance claim. When it comes to Passport drivers specifically, women pay around $69 per month for insurance and men pay about $72.
Where You Live
|State||Average Monthly Premium|
You might think it's common sense that things such as what vehicle you drive and how old you are play a role in your auto insurance prices, but you may not realize that where you live is equally important. Because car insurance is regulated at the state level, premiums can vary quite a bit depending on which state you call home.
For example, the average Honda Passport owner in New York pays around $128 monthly for liability coverage. Meanwhile, on average, the same Californian driver will pay less than half of that price. The table above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change depending on where you live.
Honda Passport Car Insurance Discounts
Regardless of your age, your home state, or your car, it's always in your best interest to take advantage of as many insurance discounts as possible when shopping around for a new policy.
Even though all auto insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:
- Multi-policy discounts for bundling your home and auto policies with the same company
- Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
- Pay-in-full discounts for choosing to pay your entire policy price up front, rather than in monthly installments
- Multi-car discounts for insuring more than one of your vehicles with the same carrier
However, discounts aren't the only way to save. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.
While you may not be able to control every variable insurance carriers look at to calculate premiums (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the variables you can use to your favor in order to save money on car insurance:
Your Driving Record
|Infractions||Average Monthly Premium|
It's no secret that auto insurance companies offer the cheapest rates to drivers with clean records. It shouldn't come as a surprise that your insurance premiums will get higher if you get tickets for speeding or get into an accident. But exactly how much can it cost you for these infractions?
Looking at the table above, you'll notice that accidents will usually cost Passport drivers more than tickets, but both will result in above average rates. Honda Passport drivers with a single accident on their record pay about $102 per month (up $31 from the $71/mo. overall average), while drivers with one ticket will pay an average of $87 a month. Those who have multiple violations of either kind will end up paying even more.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
Another factor that affects your car insurance rates is the amount of miles you drive. Those who are on the roads less have fewer opportunities to get into an accident, so they'll typically end up paying less for auto insurance. In the above table, you can see that Honda Passport owners who drive between 7,500 and 10,000 miles pay $78 for insurance, while those who drive between 2,500 and 5,000 miles each year pay about $61 monthly.
If you drive less often than the average driver or work from home, it may be worth learning about usage-based or pay-per-mile car insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.
How Do Honda Passports Compare to Other Vehicles?
If you're thinking about making a Honda Passport your next vehicle, you might want to know how it compares to other vehicles. Auto insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth considering carefully.
Take a look at the table below to see how the Honda Passport compares:
|Honda Passport||National Average|
|Full Coverage Insurance||$157||$169|
|Average Annual Mileage||10,069||11,673|
As you can see, a Honda Passport is a great value when it comes to overall price tag. The Passport goes for $32,590, which is quite a bit lower than the national average vehicle MSRP of $46,223.
Likewise, auto insurance prices are cheaper when compared to the rest of the vehicle market. Liability insurance for a Honda Passport is about $36 per month less than average, while full coverage is $12 less per month.
When it comes to usage, Honda Passport drivers are far from the national average in annual miles driven, with 11,673 miles for all vehicles a year compared to the Passport's 10,069 every year.
Honda Passport Car Insurance Costs by Model Year
We've gone over many of the factors that can affect how much the average driver pays for car insurance. If you're thinking about buying a new vehicle and the Passport is one you're considering, knowing what you'll likely pay for the specific car you're looking at is extremely valuable as you weigh your choices.
That's why we've crunched the numbers and broken down Honda Passport auto insurance premiums by model year. Choose a model year from the dropdown below to see average rates for both full coverage and liability only options. We've also included some other helpful info that might help you make a decision, like base price, available trims, and even the cheapest insurance company for each year the Passport has been around.
2021 Honda Passport Car Insurance
|Liability Only Avg. Premium||$45|
|Full Coverage Avg. Premium||$157|
|Cheapest Insurance Company||NationalGeneral - $39/mo.|
|Available Trims||ELITE, EXL, SPORT, TOURING|
If you're considering a brand new Honda Passport, you're looking at a starting price of $32,590, but with four different trim levels available on this year's Passport, the price can vary quite a bit.
When it comes to insuring a Passport, on average, it costs around $45 a month to insure a 2021 Honda Passport for liability only and $157 monthly for full coverage. And if you want the lowest insurance possible, NationalGeneral offers liability only policies for as cheap as just $39 per month.
Even though it's helpful to know how much the average driver pays for insurance, a personalized quote is the only way to know exactly how much insurance will cost you. Luckily, with Compare.com you can compare quotes from several carriers at once, all for free. Just enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.
2020 Honda Passport Car Insurance
|Liability Only Avg. Premium||$99|
|Full Coverage Avg. Premium||$178|
|Cheapest Insurance Company||SafeAuto - $36/mo.|
|Available Trims||ELITE, EXL, SPORT, TOURING|
If you're in the market for a 2020 Passport or already own one, you're most likely looking at an average car insurance premium of about $99 for liability or $178 for full coverage.
And if you're just looking for the most affordable auto insurance for your Passport, SafeAuto offers liability only policies for as cheap as $36 a month.
If you want to know exactly how much you can expect to pay for your Passport, get free quotes in minutes by just entering your ZIP code below.
2019 Honda Passport Car Insurance
|Liability Only Avg. Premium||$66|
|Full Coverage Avg. Premium||$145|
|Cheapest Insurance Company||Hugo - $29/mo.|
|Available Trims||ELITE, EXL, SPORT, TOURING|
2019 Honda Passport drivers can expect to pay an average of $66 monthly for liability or $145 for full coverage.
Hugo has rates as low as $29 per month for the 2019 Honda Passport.
Interested in exactly how much you'll pay? Enter your ZIP code below to get lots of free personalized quotes.
Honda Passport Insurance FAQs
Is a Honda Passport expensive to insure?
It costs less to insure a Honda Passport when compared to the average SUV. Liability insurance runs an average of $71 a month, while full coverage will cost you around $145.
How can I get the best price on car insurance for my Honda Passport?
There's only one way to make sure you're getting the cheapest rates -- checking prices regularly and comparing quotes from many companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from lots of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.
Does the color of my Honda Passport affect my insurance rates?
You may have heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually a myth. There are multiple things insurance companies use when they offer you a premium, but your car's color is not used to make that determination.
Do I need to have insurance before I buy a Honda Passport?
You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) Honda Passport off the dealership lot. Some dealerships might offer you an insurance policy as part of the car-buying process, but the easiest thing to do is to let your auto insurance carrier know ahead of time.
What car insurance discounts can I get for my Honda Passport?
You will find a lot of different discounts out there for car insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your Passport has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to talk with your insurance agent and ask about their discounts.