Cost of Honda Car Insurance (2024)

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 $214 for all makes and models. The average cost of liability-only insurance for a Honda is $116, versus the national average of $105.

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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 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.

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.

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]

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.

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]

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]

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]

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

Best for customer satisfaction: State Farm

Best for drivers older than 25: GEICO

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:

• 

  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.

• 

  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.

• 

  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.

• 

  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.

• 

  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.

• 

  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