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Best Honda Ridgeline Insurance Rates [Comprehensive Guide]

The cost of Honda Ridgeline car insurance rates are $1,472 a year, or around $123 a month on average. Mature drivers with good driving records may find rates as low as $865 a year.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 23, 2020

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Key takeaways:

  • Full coverage costs around $1,472 a year or $123 each month
  • A liability-only policy costs around $590 a year or $49 each month
  • Highest rates are for teenage drivers at around $5,380 a year or $448 each month
  • Good drivers can save as much as $607 a year by earning policy discounts
  • Honda Ridgeline insurance costs around $47 less per year than the average vehicle

Honda Ridgeline insurance rates are about $47 less per year than the average vehicle with full coverage costing about $1,472 a year or $123 a month. Teens will pay the highest rates at around $5,380 a year or $448 a month as they’re considered high-risk drivers.

Good drivers can save up to $607 a year in policy discounts by staying safe and courteous on the road. Let’s take a closer look at Honda Ridgeline insurance rates, safety ratings, and more.

You can start comparing quotes for Honda Ridgeline car insurance rates from some of the best car insurance companies by using our free online tool now.

Honda Ridgeline Insurance Cost

The average Honda Ridgeline auto insurance costs are $1,472 a year or $123 a month.

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Are Honda Ridgelines Expensive to Insure?

The chart below details how Honda Ridgeline insurance rates compare to other trucks like the Chevrolet Silverado, Nissan Frontier, and Chevrolet Silverado 2500HD.

Vehicle Comprehensive Collision Liability Total
Honda Ridgeline $306 $536 $450 $1,472
Chevrolet Silverado $322 $562 $420 $1,484
Nissan Frontier $294 $500 $420 $1,394
Chevrolet Silverado 2500HD $362 $688 $420 $1,650
Toyota Tacoma $294 $482 $390 $1,324
Chevrolet Colorado $254 $438 $372 $1,222
GMC Canyon $270 $478 $398 $1,304

However, there are a few things you can do to find the cheapest Honda insurance rates online.

What Impacts the Cost of Honda Ridgeline Insurance?

You might have noticed that there is a multitude of factors that impact Honda Ridgeline car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Honda Ridgeline.

Age of the Vehicle

Older Honda Ridgeline models generally cost less to insure. For example, car insurance for a 2018 Honda Ridgeline costs $1,472, while 2010 Honda Ridgeline insurance costs are $1,248, a difference of $224.

Model Year Comprehensive Collision Liability Total
2018 Honda Ridgeline $306 $536 $450 $1,472
2017 Honda Ridgeline $296 $524 $470 $1,470
2016 Honda Ridgeline $286 $502 $486 $1,454
2014 Honda Ridgeline $260 $450 $510 $1,400
2013 Honda Ridgeline $250 $424 $514 $1,368
2012 Honda Ridgeline $240 $380 $520 $1,320
2011 Honda Ridgeline $224 $350 $520 $1,274
2010 Honda Ridgeline $216 $328 $524 $1,248

Driver Age

Driver age can have a significant impact on the cost of Honda Ridgeline auto insurance. For example, 20-year-old drivers pay as much as $1,865 more each year for their Honda Ridgeline auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Honda Ridgeline insurance rates. For example, drivers in Los Angeles may pay $1,266 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on your Honda Ridgeline car insurance rates. Teens and drivers in their 20’s see the highest jump in their Honda Ridgeline car insurance with violations on their driving record.

Honda Ridgeline Safety Ratings

Your Honda Ridgeline auto insurance rates are influenced by the Honda Ridgeline’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Acceptable
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

Honda Ridgeline Crash Test Ratings

Honda Ridgeline crash test ratings can impact the cost of your Honda Ridgeline car insurance. See Honda Ridgeline crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2019 Honda Ridgeline PU/CC FWD 5 stars 5 stars 5 stars 4 stars
2019 Honda Ridgeline PU/CC AWD 5 stars 5 stars 5 stars 4 stars
2018 Honda Ridgeline PU/CC FWD 5 stars 5 stars 5 stars 4 stars
2018 Honda Ridgeline PU/CC AWD 5 stars 5 stars 5 stars 4 stars
2017 Honda Ridgeline PU/CC FWD 5 stars 5 stars 5 stars 4 stars
2017 Honda Ridgeline PU/CC AWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Honda Ridgeline Safety Features

Having a variety of safety features on your Honda Ridgeline can help lower your Honda Ridgeline insurance costs. The Honda Ridgeline’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Honda Ridgeline Finance and Insurance Cost

If you are financing a Honda Ridgeline, you will pay more if you purchase Honda Ridgeline auto insurance at the dealership, so be sure to shop around and compare Honda Ridgeline auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Honda Ridgeline Insurance

There are several ways you can save even more on your Honda Ridgeline car insurance rates. Take a look at the following five tips:

  • Wait Six Years for Accidents to Disappear from Your Record
  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Reduce Modifications on Your Honda Ridgeline
  • Make Sure You’re Raising a Safe Driver

Top Honda Ridgeline Insurance Companies

The best auto insurance companies for Honda Ridgeline car insurance rates will offer competitive rates, discounts, and account for the Honda Ridgeline’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Honda Ridgeline Insurance Quotes Online

To start comparing Honda Ridgeline car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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