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Elizabeth Rivelli is an experienced content writer with expertise in insurance and personal finance. Elizabeth has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance, and she’s written for Compare.com since 2023.
Elizabeth’s byline has been featured in dozens of publications, including Investopedia, Forbes, USA Today, Bankrate, and several insurance companies.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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The Honda Ridgeline is a midsize pickup truck with decent safety and crash test ratings — the latter of which might explain the truck’s lower-than-average insurance rates.[1] Car insurance for the Ridgeline costs an average of $86 per month for liability-only insurance and $162 per month for full coverage, according to our data.
But some insurers offer cheaper premiums than others. Safeco has the cheapest car insurance for the Ridgeline, with an average monthly premium of $90. We’ll tell you everything you need to know about the best insurers for your Ridgeline and how to save the most money.
GEICO offers some of the best discounts for Honda Ridgeline drivers.
Teens typically pay the highest Honda Ridgeline insurance premiums.
Ridgeline drivers pay less than the national average for all vehicles for car insurance.
How much you pay for Honda Ridgeline insurance premiums depends on the type of policy you choose. Liability coverage is the cheapest car insurance option, but it provides limited coverage. Full coverage is more expensive, but it includes coverage for your vehicle and sometimes your injuries.
Many Ridgeline owners can also benefit from adding optional coverages to their policy, like gap insurance, roadside assistance, or uninsured motorist coverage.
The table below shows the average monthly Honda Ridgeline insurance premium for different policy types and how they compare to the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Honda Ridgeline | $86 | $162 | $124 |
| All vehicles | $108 | $190 | $149 |
Ridgeline drivers pay an average of $86 per month for minimum-coverage insurance. The average full-coverage rate is $162 per month.
Coverage levels are only one factor that affects rates. The actual cost of your Honda Ridgeline auto insurance depends on factors like your age, driving record, mileage, and credit history.
Regardless of average rates, you can always find ways to save money on car insurance for your Honda Ridgeline. Some car insurance companies have lower rates than others, and many offer discounts that can reduce your premium.
Let’s take a look at which companies offer the cheapest car insurance for the Ridgeline, according to our data.
Company | Average Monthly Premium |
|---|---|
| Safeco | $90 |
| GEICO | $97 |
| Mercury | $101 |
| National General | $108 |
| Direct Auto | $111 |
| Elephant | $119 |
| Liberty Mutual | $121 |
| The General | $139 |
Safeco has the cheapest Ridgeline premiums, with an average monthly rate of $90. But while these insurers are the cheapest on average, it doesn’t mean that they’re the cheapest for everyone. To find the cheapest Ridgeline car insurance for your situation, you should compare insurance quotes from several companies.
Let’s take a look at some of the best Honda Ridgeline car insurance companies for different drivers.
No single car insurance company is the best option for everyone. To help you choose a company that meets your needs, we found some of the best insurers based on average rates, available discounts, customer ratings and reviews, and coverage options.
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $88/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco has some of the cheapest auto insurance rates for the Honda Ridgeline. It can also be a good pick if you want to customize your car insurance policy. It offers a variety of coverages, like new car replacement, roadside assistance, vanishing deductible, and rental reimbursement.
Safeco also guarantees claim-related repairs if you use a shop in its Guaranteed Repair Network.
Some of the cheapest Ridgeline rates
Offers a variety of add-on coverages
Offers fewer discounts than some competitors
Below-average claims satisfaction rating from J.D. Power[2]
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $97/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA is a great option for military families. The company exclusively insures active-duty and retired military members and their immediate family members. USAA ranks above average for customer and claims satisfaction in every region, according to J.D. Power. The company also has an A++ (Superior) financial strength rating from AM Best, the highest rating possible.[3]
Excellent customer satisfaction and claim satisfaction scores[4]
Great selection of car insurance discounts
Only available to eligible military personnel and their families
Limited options to customize your policy
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $138/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO is one of the top insurers for Ridgeline owners looking to save money. The company offers affordable premiums and plenty of other savings. The company has 23 car insurance discounts, including good student, military, multi-policy, and many more.
Offers more than 20 discounts
Has one of the highest Compare.com ratings
Offers few optional coverages
Poor claims satisfaction rating
Get the coverage you need for your Honda Ridgeline at the best price.
Insurance companies consider your vehicle’s age and type when calculating rates. Generally, the more your car is worth, the more it costs to insure. Newer Ridgeline models are typically more expensive to insure than older models.
The table below shows the average monthly car insurance premium for different Ridgeline model years, according to Compare.com data.
Ridgeline Model Year | Average Monthly Premium |
|---|---|
| 2025 | $160 |
| 2024 | $140 |
| 2023 | $138 |
| 2022 | $133 |
| 2021 | $126 |
| 2020 | $128 |
| 2019 | $118 |
| 2018 | $149 |
| 2017 | $127 |
| 2015 | $139 |
| 2014 | $116 |
| 2013 | $119 |
| 2012 | $107 |
| 2011 | $130 |
| 2010 | $93 |
Where you live is another variable that affects your auto insurance premiums, including your state, city, and ZIP code.
Honda Ridgeline insurance rates can vary by state. Some states have more expensive premiums than others due to local factors like weather, claim frequency, theft rates, and repair costs.[5] Additionally, every state has its own coverage requirements.
The map below shows the average car insurance premiums for the Honda Ridgeline across the country, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $84 |
| Arizona | $122 |
| Arkansas | $110 |
| California | $135 |
| Colorado | $130 |
| Connecticut | $213 |
| Delaware | $235 |
| Florida | $175 |
| Georgia | $159 |
| Idaho | $177 |
| Illinois | $72 |
| Indiana | $76 |
| Iowa | $104 |
| Kansas | $89 |
| Kentucky | $98 |
| Louisiana | $139 |
| Maine | $147 |
| Maryland | $108 |
| Massachusetts | $222 |
| Michigan | $96 |
| Minnesota | $169 |
| Mississippi | $118 |
| Missouri | $119 |
| Montana | $97 |
| Nebraska | $95 |
| Nevada | $63 |
| New Hampshire | $85 |
| New Jersey | $98 |
| New Mexico | $66 |
| New York | $156 |
| North Carolina | $91 |
| North Dakota | $187 |
| Ohio | $225 |
| Oklahoma | $83 |
| Oregon | $112 |
| Pennsylvania | $106 |
| Rhode Island | $110 |
| South Carolina | $150 |
| South Dakota | $180 |
| Tennessee | $80 |
| Texas | $91 |
| Utah | $149 |
| Vermont | $113 |
| Virginia | $128 |
| Washington | $87 |
| Washington D.C. | $112 |
| West Virginia | $80 |
| Wisconsin | $99 |
| Wyoming | $70 |
Besides location, your age plays a big role in the cost of your auto insurance.
Age is one of the most important factors insurers use when setting rates. Teens cause the most car accidents of any age group, according to the Centers for Disease Control.[6] That’s part of the reason younger drivers pay the most for coverage.
The table below shows average monthly Honda Ridgeline insurance premiums for drivers of different ages, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $305 |
| Adults | $148 |
| Seniors | $125 |
As you can see, young drivers pay significantly higher premiums than adults. Seniors typically pay the lowest car insurance rates.
Your driving record is another major variable affecting the cost of your Ridgeline auto insurance. Drivers with a history of tickets, accidents, and other traffic violations usually pay higher premiums than drivers with a clean record.
The following table shows the average Honda Ridgeline auto insurance premiums for different driving records, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $162 |
| Speeding ticket | $225 |
| At-fault accident | $234 |
| DUI | $266 |
Premiums increase substantially for Ridgeline owners after a speeding ticket or at-fault accident. Drivers with a DUI conviction pay the most for car insurance.
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Different Honda Ridgeline features can influence your car insurance rates. Here are a few options that could affect how much you pay for Ridgeline coverage:
Trim level: The TrailSport model includes features like off-road tuned suspension and all-terrain tires. The TrailSport costs about $5,000 more than the base model, so it typically costs more to insure.
Parking sensors: Only a few Ridgeline models come equipped with parking sensors. If you choose a model with advanced safety features, you might qualify for a discount.
Satellite navigation system: Some Ridgeline models have the option to add a satellite navigation system, which provides real-time navigation without cell service. Models with advanced tech features can cost more to insure because they cost more to repair or replace.
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Besides choosing the right coverage, you have a variety of ways to save money on your car insurance. Here are some tips to help you get cheaper Honda Ridgeline coverage:
Raise your deductible. Raising your deductible will lower your monthly premium. But you’ll pay more out of pocket if you file a claim, so make sure you can afford the extra expense.
Take a defensive driving course. Many insurers offer a discount for completing an approved defensive driving or driver education course.
Bundle your policies. You can often get a discount when you purchase car insurance with another policy, like homeowners or condo insurance.
Maintain a clean driving record. Avoiding tickets, accidents, and insurance claims will help you get the cheapest Ridgeline insurance.
Compare quotes. To find the most affordable Ridgeline insurance, you should shop around and compare rates from several insurers.
Get rates from 100+ insurance companies and save money today.
If you own a Honda Ridgeline or are thinking about purchasing one, here’s some information that can help you choose the best insurance policy for your needs.
Not really. The average Honda Ridgeline car insurance premium is $124 per month, according to Compare.com data. Compare that to the national average for all vehicles of $149 per month. But your personal rates can vary by your location, age, and driving record.
Safeco is the cheapest car insurance company for the Honda Ridgeline, with an average monthly rate of $90, according to Compare.com data. But the cheapest insurer is different for everyone, and your rates depend on factors like your coverage choices and ZIP code.
Car insurance for a 2025 Honda Ridgeline costs an average of $160 per month, according to Compare.com data. Newer models are usually worth more than older ones, so they typically cost more to insure.
The Honda CR-V is the cheapest Honda model to insure. Car insurance for the CR-V costs an average of $127 per month, according to Compare.com data.
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.
)
Elizabeth Rivelli is an experienced content writer with expertise in insurance and personal finance. Elizabeth has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance, and she’s written for Compare.com since 2023.
Elizabeth’s byline has been featured in dozens of publications, including Investopedia, Forbes, USA Today, Bankrate, and several insurance companies.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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