Honda insurance

Insuring your Honda

And how to get the lowest premiums without sacrificing coverage

Honda Pilot

Many factors contribute to your Honda car insurance rates. To get the best possible premiums, you'll need to shop around to compare quotes. A local independent insurance agent can help you get information from the best insurance companies so you get the coverage you need for your vehicle

Don't settle for a generic online quote from a faceless company. Your agent can make recommendations specific to your situation so you'll get the best possible coverage at the lowest rate from a trustworthy insurer. 

Not sure where to find an independent insurance agent in your area? 

TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Honda. 

What Kind of Insurance Do You Need for Your Honda?

Bodily injury liability: If you cause an accident and someone else is hurt, bodily injury liability insurance will pay for costs associated with medical care and recovery for that person. 

Property damage liability: Property damage liability is often required by law. Your agent may recommend that you purchase more than the minimum amount required. Your insurance policy only covers damage up to the limits of your policy. After that, you are personally liable for additional costs of repairing or replacing the other person's property when you are at fault in an accident. 

Medical payments/Personal injury protection: Laws differ from one state to the next, so talk with your agent to understand your options where personal injury protection and medical payments insurance is concerned. Depending on where you live, this coverage may be required by law. The policy pays for costs related to physical recovery for you and your passengers. 

Uninsured motorist coverage: Not every driver has the right amount of insurance coverage. Even if it's illegal to drive without liability insurance, many people take the chance. Uninsured and underinsured motorist coverage offers an extra layer of protection that pays for repairs to your vehicle. 

Optional coverage

Collision: Collision insurance coverage pays to repair or replace your Honda if you hit something or are in an accident with another car. This type of coverage isn't right for everyone, so talk with your agent about the pros and cons of including collision coverage on an older vehicle. 

Comprehensive: If you are in an accident caused by an animal in the road or are a victim of vandalism, you'll need comprehensive insurance coverage to get your repair bill paid for. The insurance company will handle the cost of repairing or replacing your Honda, minus your deductible, up to its fair market value for covered incidents. 

Glass coverage: You can't put off replacing a windshield without risking a ticket, but it can be an expensive repair. This zero-deductible policy costs just a few dollars each month. 

Gap insurance: If you think you owe more on your car than its market value and you didn't buy gap insurance at the dealership, talk with your agent about how this type of insurance could help you. Without it, you could be responsible for paying off your loan or lease if your vehicle is a total loss after an accident. 

What Affects the Cost of Insurance for Your Honda?

Annual mileage
 If you drive more than the average of 10,000 to 15,000 miles each year, expect to pay slightly higher premiums for auto insurance on your Honda. 
Your driving record
if you have a spotless driving record, you'll pay a lower insurance rate than drivers with at-fault accidents or moving violations. 
The value of your vehicle
2020 Honda prices start at about $30,000. That's about average for this class of vehicle.  

Average Honda Insurance Costs

The average 40-year-old Honda driver pays $1,400 annually for full coverage auto insurance. This includes collision and comprehensive coverage. Liability-only insurance rates drop down to an average of just $372 per year. New drivers who are just 16 years old pay average rates that are much higher at $5,174 per year. Your rates may vary greatly from these averages. Your agent can help you understand the factors that heavily influence your Honda insurance premiums. 

The Safety of Your Honda

Honda's philosophy, "Safety For Everyone" means you'll get some of the most advanced safety features when you drive a new Honda vehicle. 

Safety features help lower your insurance premiums by reducing the statistical likelihood that you'll be involved in an accident. Here's what you can expect with a new Honda.

Active safety technology

  • Multi-Angle Rearview Camera
  • Active Stability Systems
  • Collision Mitigation Braking System™ (CMBS™)
  • Road Departure Mitigation System (RDM)
  • Lane Keeping Assist System (LKAS)
  • Traffic Sign Recognition (TSR)

Passive safety features

  • ACE™ Body Structure
  • Front Seat Belts with Pretensioner and Load Limiter
  • Advanced Airbag Technology

The NHTSA gave these 2020 Honda vehicles an overall five-star safety rating

  • 2020 Civic Sedan
  • 2020 Accord Hybrid
  • 2020 Accord
  • 2020 Civic Coupe
  • 2020 Civic Hatchback
  • 2020 CR-V

How Location Affects Your Honda Insurance 

Because your location has such a profound effect on your car insurance premiums, it's crucial to get a personalized quote from your agent. It's typically more expensive to insure any vehicle in large cities than it is in rural areas. 

Insurance rates vary widely by state, as well. 

Top three most expensive states for Honda insurance
Michigan, Louisiana, and Montana$2,010
Top three most affordable states for Honda insurance 
Idaho, Maine, and Iowa$920

Additional Factors That Affect Your Honda Insurance Premiums

  • Safety features like anti-theft devices
  • Age
  • Gender
  • Deductible
  • Credit

Average Cost to Insure a Honda

Your Honda insurance premiums depend on a number of factors, including the year and model of your vehicle. 

Here are some annual average full-coverage insurance rates for Honda models

Honda Model
Honda Accord$1,310
Honda Accord Crosstour$1,550
Honda Accord Hybrid$1,532
Honda Civic$1,536
Honda Clarity$1,478
Honda CR-V$1,140
Honda CR-Z$1,378
Honda Element$1,324
Honda Fit$1,168
Honda HR-V$1,356
Honda Insight$1,372
Honda Odyssey$1,342
Honda Passport$1,470
Honda Pilot$1,336
Honda Ridgeline$1,498


Average annual cost to insure a Honda with full coverage$1,400
High-Risk drivers$3,030
High Deductibles$1,204
Low Deductibles$1,786

Top Independent Insurance Carriers That Insure the Honda

According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers: 

  1. Progressive
  2. Safeco
  3. Travelers
  4. Auto-Owners Insurance

Get a Honda Quote

Your local independent insurance agent helps you get the car insurance you need for your Honda. Don't trust an online search engine to deliver the best rates and reliable insurance coverage. With the help of the TrustedChoice.com find-an-agent tool, you can get in touch with an agent right away. 

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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver