Cost of Honda Car Insurance (2024)

USAA, State Farm, and GEICO are the cheapest car insurance companies for Hondas.

Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated November 20, 2024

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Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Honda is one of the most popular car makes in America, according to a recent Insurify study. Affordability and reliability may explain why Americans favor the Honda brand, along with its relatively affordable cost to insure.

The average cost of full-coverage car insurance for a Honda is $172, compared to the national average of $204 for all makes and models. The average cost of liability-only insurance for a Honda is $116, versus the national average of $104.

Quick Facts
  • High theft rates might help explain why the Civic is more expensive to insure than other Honda models.

  • The cheapest Honda model to insure is the Odyssey, with an average monthly rate of $120.

  • Rates vary, so it’s important to compare quotes from multiple insurers before buying a policy.

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Cost of Honda insurance by model

Factors that can affect the cost of insurance for Honda models include size, trim level, safety features, and model year — new vehicles are typically more expensive.[1] How the vehicle is powered can also influence cost. Hybrid models are more expensive on average than models with an internal combustion engine (ICE).

The average full-coverage policy for a hybrid costs $296 compared to the $250 average for an ICE. Liability-only is $144 per month for a hybrid and $126 for an ICE.

Honda Model
Average Monthly Quote
Odyssey$120
CR-V$129
Pilot$134
Ridgeline$136
HR-V$148
Accord$175
Civic$176
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Honda CR-V

The Honda CR-V is one of the cheapest Honda models to insure, with only the Honda Odyssey costing less. Sports cars and luxury vehicles usually cost more to insure because they’re involved in more accidents and thefts and are more expensive to repair.[1]

The Insurance Institute for Highway Safety (IIHS) also awarded the CR-V a top safety pick in 2023.[2] Since a car’s safety features affect the cost of insurance, this may help explain the Honda CR-V’s lower insurance quotes.

Insurance Company
Average Monthly Quote
USAA$75
State Farm$83
GEICO$86
Nationwide$96
Allstate$103
Progressive$122
AAA$126
American Family$131
Liberty Mutual$132
Direct Auto$148
Travelers$152
Farmers$176
The General$190
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Honda Accord

The Honda Accord took the top spot as America’s most popular vehicle in a recent Insurify research study, but it’s one of the most expensive Honda models to insure, with an average monthly premium of $209.

Insurance Company
Average Monthly Quote
USAA$102
State Farm$113
GEICO$117
Nationwide$130
Allstate$140
Progressive$166
AAA$171
American Family$178
Liberty Mutual$179
Direct Auto$201
Travelers$206
Farmers$240
The General$259
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Honda Odyssey

Compared to other Honda models, full coverage and liability-only coverage cost less for the Odyssey. High safety ratings from the Insurance Institute for Highway Safety might help explain the cheaper price of coverage.[2]

Insurance Company
Average Monthly Quote
USAA$71
State Farm$78
GEICO$81
Nationwide$89
Allstate$97
Progressive$114
AAA$118
American Family$123
Liberty Mutual$124
Direct Auto$138
Travelers$142
Farmers$165
The General$178
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Honda HR-V

The cost of insurance for the Honda HR-V is higher than the similar CR-V model. Monthly full-coverage insurance for the HR-V is $178 compared to $154 for the CR-V. And the HR-V’s monthly liability-only coverage is $119 compared to $103 for the CR-V.

Insurance Company
Average Monthly Quote
USAA$87
State Farm$96
GEICO$99
Nationwide$110
Allstate$119
Progressive$141
AAA$145
American Family$151
Liberty Mutual$152
Direct Auto$170
Travelers$175
Farmers$203
The General$220
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Honda Civic

The Honda Civic is affordable and ranked as the third most popular vehicle in America, according to a recent Insurify study. Unfortunately, the Civic is also one of the most popular cars for thieves. Higher rates of theft might help explain why the Civic is the most expensive Honda model to insure.[3]

Insurance Company
Average Monthly Quote
USAA$103
State Farm$114
GEICO$118
Nationwide$131
Allstate$142
Progressive$167
AAA$172
American Family$180
Liberty Mutual$181
Direct Auto$202
Travelers$208
Farmers$242
The General$261
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Honda Pilot

As a midsize SUV, the Pilot is larger than the CR-V, but it comes with a smaller insurance cost. The monthly cost of full-coverage car insurance is $160, and liability-only is $107. Like many of the other Honda models, the Pilot is listed as a top safety pick by the IIHS.[2]

Insurance Company
Average Monthly Quote
USAA$78
State Farm$86
GEICO$90
Nationwide$99
Allstate$107
Progressive$127
AAA$131
American Family$136
Liberty Mutual$137
Direct Auto$153
Travelers$157
Farmers$183
The General$198
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Honda Ridgeline

The Ridgeline is Honda’s pickup truck. The cost to insure a Ridgeline falls in the middle of the other Honda models. The Accord and Civic cost more to insure, while the CR-V and Odyssey cost less. The cost of liability insurance is often higher for large trucks because they can cause more significant damage in an accident, but the Ridgeline is considered a midsize pickup, so this might help keep the cost down.[1]

Insurance Company
Average Monthly Quote
USAA$80
State Farm$88
GEICO$91
Nationwide$101
Allstate$109
Progressive$129
AAA$133
American Family$139
Liberty Mutual$139
Direct Auto$156
Travelers$160
Farmers$186
The General$201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Best companies for Honda car insurance

Three of the best car insurance companies for Honda car insurance include USAA, State Farm, and GEICO. The best insurance company for you will depend on your unique insurance needs and budget. It’s important to compare quotes from multiple insurance companies before making a decision.

Best for active military members, veterans, and their families: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
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.
$45/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.
$99/mo
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)

Gloria

November 15, 2024

Verified Review

Not Good for Claims

I have storm damage and the claim process is not satisfactory.

Martin

November 11, 2024

Verified Review

Price Shopping

I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.

Rena Sabine

November 8, 2024

Verified Review

Disappointing and inflexible service

My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA exclusively serves current and former members of the military and their immediate families and is still the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s Overall Customer Satisfaction Index.

Pros
  • High customer satisfaction

  • Low premiums

  • SafePilot program rewards good driving with up to 30% discount

Cons
  • Only available to active-duty military, veterans, military spouses, or children of service members or veterans

  • No 24/7 customer phone support

  • Customer reviews are mixed for service and claims processing

Best for customer satisfaction: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
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.
$54/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.
$119/mo
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)

Ronald

November 19, 2024

Verified Review

State Farm Experience: 35 Years+

They are forcing me to replace my house roof or they will cancel my policy.

David

November 19, 2024

Verified Review

Too expensive

It's too expensive. They raise rates every six months, even though I've never filed a claim.

Ronald

November 18, 2024

Verified Review

Very Expensive Auto and Home

Extremely harsh local service.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

  • Savings for bundling auto with home, renters, condo, or life insurance

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

  • Accident forgiveness limited to longtime customers with clean driving records

Best for drivers older than 25: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
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.
$54/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.
$119/mo
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)

James

November 19, 2024

Verified Review

Unsatisfactory Experience with Geico

Steer clear. They increase your rate at every renewal.

Edward

November 18, 2024

Verified Review

Experience with Geico

Reliable.

Chris

November 18, 2024

Verified Review

Poor

The customer service is below average and terrible.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

  • A+ (Superior) financial strength rating from AM Best

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

  • Lower customer satisfaction scores from J.D. Power

Honda car insurance coverages

You may need to carry several different types of insurance coverage for your Honda. Some of the most common coverages that can meet your needs include:

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Bodily injury liability

    Bodily injury liability coverage is mandatory in most states and covers medical bills and other associated expenses of people injured in an accident you cause.

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Property damage liability

    Property damage liability is mandatory in nearly every state and covers the cost of repairing or replacing someone else’s damaged property in an accident you cause.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    No states legally mandate collision coverage, though drivers who lease their vehicles may need to carry it. It pays to repair or replace your vehicle if it’s damaged in an accident, no matter who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays to repair or replace your vehicle if anything other than a car accident damages it, such as theft, vandalism, or bad weather.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Personal injury protection (PIP)

    Depending on your state, this kind of coverage may be mandatory. PIP pays for your medical bills and associated expenses if you’re hurt in an accident, no matter who caused it.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Required in some states, uninsured/underinsured motorists coverage will pay for your medical bills and associated expenses if you get injured in an accident that an uninsured or underinsured driver causes.

Honda car insurance FAQs

Finding the right auto insurance as a Honda driver will depend on your particular circumstances, including what specific model you drive, your driving history, your location, your credit score, and your age. Here are some of the most commonly asked questions about Honda insurance.

  • Who has the cheapest Honda insurance?

    Some of the cheapest Honda insurance quotes come from USAA, State Farm, and GEICO, according to Insurify data. Of course, the cost of insurance can vary greatly depending on factors such as your age, gender, location, and driving record. When looking for the cheapest Honda insurance, compare multiple companies, considering rates, fees, and if they offer any discounts, such as home and auto bundling and good student discounts.

  • Are Hondas expensive to insure?

    Full-coverage car insurance for Hondas costs the same as the national average of $172. However, the average cost of liability-only insurance for a Honda is $116, higher than the national average of $106. How expensive a Honda is to insure will vary based on the vehicle model, as well as the driver’s age, gender, marital status, location, and driving record.

  • How much does it cost to insure a Honda Civic?

    The average cost of a car insurance policy for a Honda Civic is $176 per month. Your cost will depend on several factors, including your age, gender, marital status, location, and driving record. In some states, a good credit score can also help you secure a lower rate. Civic drivers can expect to pay higher rates for car insurance than drivers of other Honda models.

  • Why is Honda Civic insurance so high?

    The cost of car insurance for a Honda Civic is higher than other Honda models because it’s one of the most stolen cars in America. Insurers consider this a higher risk when determining your car insurance premium.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. National Association of Insurance Commissioners. "A Consumer's Guide to Auto Insurance."
  2. Insurance Institute for Highway Safety. "2023 Top Safety Picks."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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