Cheap Honda Auto Insurance in 2024
Full coverage for a Honda is usually over $100/mo, but rates will vary depending on what model of Honda you own. If you find your Honda auto insurance rates are too high and want more affordable Honda auto insurance quotes, take advantage of discounts and compare quotes for the best deal.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jul 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- A Honda Civic tends to have the most expensive rates on average out of all the Honda models, but not by much
- Honda insurance rates will also depend on a driver’s age and driving record, not just the Honda model
- Drivers who keep a clean driving record will have the most affordable Honda auto insurance quotes
Most Hondas have very affordable auto insurance rates, no matter what model you own, making it easier to find affordable Honda auto insurance rates. While insurance for a new Honda Civic will cost more than for an older, cheaper model, the model and age of a Honda won’t cause huge leaps in rates. Instead, your Honda insurance cost will rise and fall depending on your age and driving record.
Read on to learn all about what will affect your Honda auto insurance quotes, from which auto insurance coverages you pick to which Honda model you own.
Different Auto Insurance Coverages for Hondas
Keeping an auto insurance policy with the bare minimum will help keep your rates low, although two coverages we highly recommend paying extra for are collision and comprehensive insurance. These insurance coverages will pay for your Honda’s repairs after accidents or mishaps and are actually required coverages if you have a lease or loan on your Honda. Take a look below at what each coverage does to see the difference between comprehensive and collision insurance.
- Collison insurance: This covers your Honda’s repairs after an accident where you hit an object or another car.
- Comprehensive auto insurance: This covers your Honda’s repairs after an accident where you hit an animal or your Honda was damaged by weather, vandalism, or falling objects.
If you don’t have a lease or loan, then you can choose not to carry collision and comprehensive coverage, but your Honda’s repairs won’t be covered in a variety of situations. The other important coverages we want to talk about for Hondas are those required by the majority of states. If you don’t follow the auto insurance requirements of your state, then you aren’t driving legally and will face fines, suspended licenses, and more.
Most states in the U.S. will require some combination of liability insurance, medical payments insurance or personal injury protection insurance, and either uninsured or underinsured motorist insurance. A quick description of the different types of car insurance coverage is below.
- Liability auto insurance: This covers others’ repairs if you hit someone else and damage their property or injure them.
- Medical payments insurance: This covers some of the medical bills of anyone injured in your car during an accident.
- Personal injury protection insurance: This covers some of the medical bills, lost wages, and more of anyone injured in your car during an accident.
- Uninsured/underinsured motorist insurance: This covers your accident bills if you are hit by a driver who is driving without auto insurance or doesn’t have enough to cover your bills.
Each state is different in what it requires drivers to carry, so you may not have to carry all of the above coverages. You can check your state’s requirements to see what you do and don’t need before shopping for the best Honda auto insurance coverage.
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Average Auto Insurance Rates for Hondas
There isn’t a huge variance in auto insurance rates among Honda models, as you can see from the average rates displayed below.
Average Monthly Honda Auto Insurance Rates by Model and Coverage Type| Vehicle Model | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2023 Honda Fit | $25 | $49 | $27 | $113 |
| 2023 Honda CR-V | $28 | $41 | $32 | $114 |
| 2023 Honda Accord | $28 | $50 | #37 | $131 |
| 2023 Honda Odyssey | $28 | $53 | $37 | $134 |
| 2023 Honda Civic | $28 | $66 | $42 | $154 |
| 2023 Honda HR-V | $29 | $53 | $37 | $136 |
| 2023 Honda Ridgeline | $30 | $52 | $47 | $147 |
| 2023 Honda Pilot | $34 | $47 | $37 | $134 |
| 2023 Honda Accord Hybrid | $36 | $72 | $32 | $153 |
The difference between the most and least expensive Honda models to insure is less than $50, so it’s not a huge price discrepancy. While a Honda Civic is the most expensive on average to insure, you won’t be paying hundreds of dollars more for insurance than the cheapest model to insure, the Honda Fit.
Your Honda insurance rates will also depend on your demographics, as the Honda Civic insurance cost for a 16-year-old driver will be different than for a 35-year-old driver. Take a look at the rates below to see how the cost of auto insurance for a Honda can change based on a driver’s driving record and age.
Honda Average Monthly Auto Insurance Rates by Model, Driver Age, and Record| Vehicle Model | Teen Driver | High Risk Driver | 20-Year-Old Driver | 30-Year-Old Driver | 40-Year-Old Driver | 50-Year-Old Driver | 60-Year-Old Driver |
|---|---|---|---|---|---|---|---|
| 2023 Honda Ridgeline | $537 | $313 | $333 | $153 | $147 | $134 | $131 |
| 2023 Honda Pilot | $488 | $284 | $303 | $139 | $134 | $122 | $119 |
| 2023 Honda Odyssey | $490 | $286 | $304 | $140 | $134 | $122 | $120 |
| 2023 Honda HR-V | $495 | $289 | $307 | $141 | $136 | $124 | $121 |
| 2023 Honda Fit | $411 | $240 | $255 | $118 | $113 | $103 | $101 |
| 2023 Honda CR-V | $416 | $243 | $258 | $119 | $114 | $104 | $102 |
| 2023 Honda Civic | $561 | $327 | $348 | $160 | $154 | $140 | $137 |
| 2023 Honda Accord Hybrid | $560 | $326 | $347 | $160 | $153 | $140 | $137 |
| 2023 Honda Accord | $479 | $279 | $297 | $137 | $131 | $119 | $117 |
If you are a younger driver, your rates will decrease significantly as you age if you are a safe driver and don’t get into any accidents, making it easier to find cheap Honda auto insurance.
Saving on Honda Auto Insurance
If you are asking yourself why is the price of Honda Civic insurance so high, it may not have anything to do with the model of the car you own but rather other factors. If you have a clean driving record, you may be with the wrong auto insurance company.
We recommend getting plenty of auto insurance quotes to make sure you are getting the best price on insurance for your Honda. A company that was the cheapest for you a year ago may no longer be the cheapest company.
You can also apply for auto insurance discounts to lower your rates, such as a bundling discount or a defensive driver discount. Make sure to check your insurance company’s list of available discounts to ensure that you are getting as much off your policy’s rate as possible.
Finally, if you have a low car insurance deductible, raising it will decrease your auto insurance rates. Just ensure that the amount you raise your deductible to is still an amount you would be able to afford comfortably. The last thing you want is not to be able to get your Honda repaired because you raised your auto insurance deductible too high.
The Final Word on Affordable Honda Auto Insurance
Most Hondas will have affordable rates, no matter which model you own. Auto insurance rates will change mostly based on your driving record and age, as well as your choice of an auto insurance company.
If you want to find the best auto insurance company for your Honda, start by shopping around for quotes. Try out our free quote comparison tool to see which company in your area has the most affordable Honda auto insurance quotes. Learn how to get auto insurance here.
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Frequently Asked Questions
How much does it cost to insure a Honda Accord?
The average insurance cost for a Honda Accord for a full coverage auto insurance policy is $131 per month.
Are Hondas expensive to insure?
Most Hondas have affordable insurance rates.
Is insurance expensive for Honda Accords?
Insurance for Honda Accords is slightly higher than for other models.
Can Honda insurance rates vary?
Yes, insurance rates can vary based on factors such as location, driving record, and coverage options.
Is auto insurance for a Honda Civic more expensive?
Auto insurance for Honda Civics is slightly more expensive but still affordable.
Are Hondas good cars for insurance?
Yes, Honda auto insurance rates tend to be low.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.