It costs less to insure a Honda Ridgeline than the average truck.
Liability only auto insurance rates for a Ridgeline come in at around $68 per month, while full coverage generally runs about $127 monthly.
The cheapest car insurance company for a Ridgeline is NationalGeneral.
In This Article
With 2021 models starting at $36,140, the Honda Ridgeline is a great budget-friendly car for drivers of all types. Drive off the dealership lot in style, with three different trim options available.
Based on reviewing thousands of insurance quotes from Compare.com, we've found that Honda Ridgeline car insurance prices are around $119 per month, on average. How do auto insurance premiums for the Ridgeline compare to prices of other similar vans?
|Current Base Price||$36,140|
|Trim Levels||BLACK EDITION, RTL, SPORT|
|Average Insurance Premium||$119/mo.|
|Cheapest Insurance Company||NationalGeneral|
How Much is Car Insurance for a Honda Ridgeline?
|Vehicle||Liability Only||Full Coverage|
|All Honda Models||$84||$166|
|Average Insurance Premium||-||-|
On average, Ridgeline owners will pay about $68 a month for liability insurance, and around $127 monthly 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 these different types of insurance).
When you compare it to other Honda models, the Ridgeline is more affordable, with premiums more than 10% lower than the rest of the manufacturer's vehicle lineup. Compared to truck offerings from other brands, insurance for a Ridgeline is also more affordable, with full coverage insurance rates coming in about 25% less and 16% less for liability only insurance.
Who has the Cheapest Car Insurance for a Honda Ridgeline?
|Insurance Company||Average Monthly Premium|
If you're looking for a car insurance policy for a Honda Ridgeline, you most likely want to know which carrier offers the lowest premiums. Although premiums can vary quite dramatically depending on your driver profile, MetroMile offers the lowest average rates for liability only coverage, with rates as little as just $23 a month. The runner up for most affordable rates is Dairyland, with auto insurance polices starting sometimes as low as $30 monthly.
Rounding out the list are MetLife, Plymouth Rock, and Clearcover. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Honda Ridgeline.
After all, car insurance companies look at a wide array of things when calculating rates, so your results might be different. The only way to guarantee you'll find the lowest rates is to compare quotes from a bunch of insurance carriers.
What Factors Affect Car Insurance Rates for a Honda Ridgeline?
As we mentioned above, there are multiple variables that auto insurance companies take into account to calculate how much they charge you for a policy -- and each company weighs different attributes more heavily than others, so there's not one single carrier that's the cheapest for every driver.
The sections below show a lot of factors insurance carriers use to calculate rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$74|
|15 Years or Older||$68|
Honda has been making the Ridgeline for quite some time, so the car's age may make a big difference in how much you'll pay for car insurance. Typically, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Ridgelines begin to depreciate, insurance costs will gradually get lower.
As you can see in the information above, the Honda Ridgeline is in line with this trend, as the cheapest models to insure are those that are 4 to 5 years old, while on average, the most expensive models are Ridgelines that are 1 year old or less.
|Age||Average Monthly Premium|
|65 or Older||$64|
Your age is another factor that makes a significant difference in how much insurance companies will charge you for car insurance. As you can see above, drivers who are under 18 pay a lot more for auto insurance than those with more experience. In this case, drivers under 18 pay over three times as much as those 25 or older.
Car insurance prices continue to go down as you get older, with the cheapest age group for Ridgeline drivers being 55-64.
|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 into collisions and get speeding tickets, which increases the chances of an insurance claim. Surprisingly, for Ridgeline drivers, this trend does not hold, and women pay more for their auto insurance than men.
Where You Live
|State||Average Monthly Premium|
You're probably already aware that variables such as how old you are and what vehicle you drive play a role in your insurance rates, but did you know that where you live can be equally important? Auto insurance is regulated at the state level, so prices change quite a bit from state to state.
For example, the average Honda Ridgeline driver in New York pays around $117 per month for liability coverage, while on average, the same Californian owner will pay less than half of that price. The chart above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change between states.
Honda Ridgeline Car Insurance Discounts
No matter what vehicle you drive, what state you call home, or how old you are, it's always a smart move to take advantage of as many car insurance discounts as possible.
Not every insurance company will offer the same discounts, but there are a few that are relatively common. These include things like:
- Multi-policy discounts for getting both your home and auto policies from the same carrier
- 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 agreeing to pay your entire policy rate at once, rather than by monthly payments
- Multi-vehicle discounts for adding more than one car to your auto policy
There are lots of other discounts out there for saving money on your auto insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.
Even though you can't control every variable insurance carriers reference to calculate rates (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the ones you can use to your favor when it comes to saving cash:
Your Driving Record
|Infractions||Average Monthly Premium|
You've no doubt heard ads from auto insurance companies offering large discounts for safe drivers. It shouldn't come as a surprise that if you get into a collision or get speeding tickets, car insurance prices will get higher. But you still might be left wondering exactly how much collisions and moving violations will cost you.
As you can tell from the table above, accidents will usually cost Ridgeline drivers more than tickets, but both will result in a raise in rates. Honda Ridgeline drivers with a single accident on their record pay an average of $82 per month (up $14 from the $68/mo. overall average), while drivers with one ticket will pay about $64 a month. Drivers who have multiple kinds of either violation will end up paying even more.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
Another factor that affects your auto insurance rates is the total amount of miles you drive annually. Those who drive less are less likely to get speeding tickets, so they'll normally get lower premiums. In the table above, you can see that Honda Ridgeline owners who drive fewer than 2,500 miles every year pay about $57 per month for car insurance, while those who put 10,000 miles or more on their cars pay $67.
But if you're one of those drivers who don't put very many miles on your Honda Ridgeline each year, it may be worth considering usage-based or pay-per-mile insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.
How Do Honda Ridgelines Compare to Other Vehicles?
If you're thinking about purchasing a new van and a Honda Ridgeline is on your shortlist, you're probably wondering how it compares to other vehicles. Insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth considering.
Visit the table below to see how the Honda Ridgeline compares:
|Honda Ridgeline||National Average|
|Full Coverage Insurance||$150||$169|
|Average Annual Mileage||10,474||11,673|
Overall, the Honda Ridgeline is a fantastic value when it comes to price, with an MSRP that's less than the going rate for a new vehicle. While the national average vehicle MSRP is $46,223, the Ridgeline has a base price of just $36,140.
Liability insurance for a Honda Ridgeline is $86, while full coverage is $150 monthly -- more than the national average for both types.
When it comes to usage, Honda Ridgeline drivers are far from the national average in annual miles driven, with 10,474 miles a year compared to 11,673 for all vehicles.
Honda Ridgeline Car Insurance Costs by Model Year
We've gone over many of the factors that can affect how much the average driver pays to insure a Honda Ridgeline. If you're considering buying a new vehicle and the Ridgeline is one you're thinking about, having a good idea of exactly how much you'll pay is extremely valuable as you weigh your choices.
So we've broken down Honda Ridgeline car insurance rates by model year. Choose a model year from the dropdown below to see average rates for both liability only and full coverage options. You'll also find some other helpful info, such as which trim levels are offered, who offers the most affordable policies, and the base MSRP for each year the Ridgeline has been around.
2020 Honda Ridgeline Car Insurance
|Liability Only Avg. Premium||$86|
|Full Coverage Avg. Premium||$150|
|Cheapest Insurance Company||SafeAuto - $46/mo.|
|Available Trims||BLACK EDITION, RTL, SPORT|
2020 Honda Ridgeline drivers can expect to pay an average of $86 per month for liability or $150 for full coverage.
Looking for the lowest policy? SafeAuto offered liability only coverage for as cheap as just $46 a month.
If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.
2019 Honda Ridgeline Car Insurance
|Liability Only Avg. Premium||$73|
|Full Coverage Avg. Premium||$134|
|Cheapest Insurance Company||DirectGeneral - $29/mo.|
|Available Trims||BLACK EDITION, RT, RTL, SPORT|
You can expect full coverage for a 2019 Ridgeline to run about $134 monthly, while liability only coverage will average around $73 a month.
DirectGeneral has premiums as low as just $29 per month for the 2019 Honda Ridgeline.
Want to find the best rates? Just enter your ZIP code below to get lots of free personalized quotes.
2018 Honda Ridgeline Car Insurance
|Liability Only Avg. Premium||$58|
|Full Coverage Avg. Premium||$125|
|Cheapest Insurance Company||Dairyland - $30/mo.|
|Available Trims||BLACK EDITION, RT, RTL, SPORT|
On average, drivers who own a 2018 Honda Ridgeline can expect to pay $58 to $125 monthly for liability only and full coverage auto insurance, respectively.
With prices sometimes as little as $30 a month, Dairyland offered the most affordable policy we found.
If you want to find the best premiums for insurance for a 2018 Honda Ridgeline, enter your ZIP code below and compare several personalized quotes in just a few minutes.
2017 Honda Ridgeline Car Insurance
|Liability Only Avg. Premium||$61|
|Full Coverage Avg. Premium||$121|
|Cheapest Insurance Company||MetroMile - $23/mo.|
|Available Trims||BLACK EDITION, RT, RTL, RTS, SPORT|
The average cost to insure a 2017 Ridgeline with liability only coverage is $61 monthly, while full coverage runs about $121 per month.
If you're looking for the lowest possible 2017 Honda Ridgeline insurance policy, MetroMile offered the cheapest policy we found, with rates as little as $23 monthly.
Want something more accurate than nationwide averages? Just enter your ZIP code below to get several free customized quotes.
2014 Honda Ridgeline Car Insurance
|Liability Only Avg. Premium||$49|
|Full Coverage Avg. Premium||$104|
|Cheapest Insurance Company||Mile Auto - $23/mo.|
|Available Trims||RT, RTL, RTL-S, RTS, SPECIAL EDITION, SPORT|
It costs around $49 per month for liability or $104 for a full coverage policy for the 2014 Honda Ridgeline.
We found Mile Auto offered the most affordable policy, with rates as low as $23 a month.
If you want to know exactly how much you can expect to pay for your Ridgeline, get free quotes in minutes by just entering your ZIP code below.
2013 Honda Ridgeline Car Insurance
|Liability Only Avg. Premium||$56|
|Full Coverage Avg. Premium||$126|
|Cheapest Insurance Company||DirectGeneral - $42/mo.|
|Available Trims||RT, RTL, RTS, SPORT|
The average cost to insure a 2013 Ridgeline with liability only coverage is $56 per month, while full coverage runs about $126 a month.
With rates as cheap as $42 monthly, DirectGeneral offered the cheapest policy we found for the 2013 Honda Ridgeline.
If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.
2012 Honda Ridgeline Car Insurance
|Liability Only Avg. Premium||$97|
|Full Coverage Avg. Premium||$135|
|Cheapest Insurance Company||MetroMile - $24/mo.|
|Available Trims||RT, RTL, RTS, SPORT|
You can expect full coverage for a 2012 Honda Ridgeline to run around $135 per month, while liability only coverage will average about $97 monthly.
MetroMile offered the lowest policy we found, with rates sometimes as cheap as $24 a month.
If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.
2011 Honda Ridgeline Car Insurance
|Liability Only Avg. Premium||$59|
|Full Coverage Avg. Premium||$128|
|Cheapest Insurance Company||Safeco - $27/mo.|
|Available Trims||RT, RTL, RTS|
2011 Ridgeline drivers can expect to pay an average of $59 monthly for liability or $128 for full coverage.
With prices as little as $27 a month, Safeco offered the cheapest policy we found for the 2011 Honda Ridgeline.
If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.
2010 Honda Ridgeline Car Insurance
|Liability Only Avg. Premium||$72|
|Full Coverage Avg. Premium||$130|
|Cheapest Insurance Company||MetLife - $22/mo.|
|Available Trims||RT, RTL, RTS|
On average, drivers who own a 2010 Honda Ridgeline can expect to pay $72 to $130 per month for liability only and full coverage auto insurance, respectively.
Looking for the lowest policy? MetLife offered liability only coverage for as cheap as just $22 a month.
Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get multiple customized quotes for free.
Honda Ridgeline Insurance FAQs
Is a Honda Ridgeline expensive to insure?
The Honda Ridgeline is less expensive to insure compared to the average vehicle. Liability insurance runs an average of $68 per month, while full coverage will cost you around $127.
How can I get the best price on car insurance for my Honda Ridgeline?
There's only one way to be sure you're getting the most affordable rates -- regularly shopping around and comparing quotes from a variety of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a range of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.
Does the color of my Honda Ridgeline affect my insurance prices?
Have you heard the old adage that it costs more to insure a red car than cars of other colors before? Well, that's actually not the case. While there are many things insurance carriers think about when they offer premiums, the color of your car is not used to make that determination.
Do I need to have insurance before I buy a Honda Ridgeline?
Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have valid car insurance for it. Some dealerships will offer you an auto insurance policy as part of the buying process, but the best thing to do when buying a a new van is to talk with your auto insurance company ahead of time.
What car insurance discounts can I get for my Honda Ridgeline?
You will find a lot of different discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the Ridgeline you drive, but if your Ridgeline has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. To find out which discounts you may receive, talk with your insurance agent and ask about which discounts they offer, since they fluctuate quite a bit from company to company.