Best Honda Ridgeline Insurance Rates [Comparison Guide]
Honda Ridgeline insurance costs are $123/mo or $1,472/yr, making Honda Ridgeline insurance around $47 less/yr than the average vehicle. Mature drivers with good driving records may find Honda Ridgeline insurance costs as low as $72.08/mo or $865/yr, while teenage drivers can expect to pay $$448/mo or $5,380/yr on Honda Ridgeline insurance.
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Written by
Rachel Bodine
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Reviewed by
Leslie Kasperowicz
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UPDATED: Oct 30, 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 slightly less than the average with full coverage around $1,472 a year or $123 a month. Drivers of an older Honda Ridgeline may choose liability-only coverage for their vehicle which costs around $590 a year or $49 a month.
Good drivers can save up to $607 in policy discounts every year by practicing safe driving habits. We’re going to 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.
Table of Contents
Honda Ridgeline Insurance Cost
The average Honda Ridgeline car 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 Ford Ranger, Toyota Tundra, and Chevrolet Colorado.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| Ford Ranger | $254 | $470 | $372 | $1,254 |
| Toyota Tundra | $320 | $512 | $440 | $1,452 |
| Chevrolet Colorado | $254 | $438 | $372 | $1,222 |
| Dodge Ram | $362 | $562 | $420 | $1,524 |
| GMC Canyon | $270 | $478 | $398 | $1,304 |
| GMC Sierra | $336 | $594 | $372 | $1,460 |
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?
The Honda Ridgeline trim and model you choose can impact the total price you will pay for Honda Ridgeline auto insurance coverage.
Age of the Vehicle
The average Honda Ridgeline car insurance rates are higher for newer models. For example, car insurance rates for a 2018 Honda Ridgeline are $1,472, while 2010 Honda Ridgeline rates 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 effect on Honda Ridgeline car insurance rates. For example, 20-year-old drivers pay $1,800 more for their Honda Ridgeline car insurance each year than 30-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 $809 a year more than drivers in Phoenix.
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 car insurance rates are influenced by the safety ratings of the Honda Ridgeline. 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
The crash test ratings of the Honda Ridgeline can impact your Honda Ridgeline car insurance rates.
| 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
The more safety features you have on your Honda Ridgeline, the more likely it is that you can earn a discount. 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, most lenders will require your carry higher Honda Ridgeline coverage options including comprehensive coverage, so be sure to shop around and compare Honda Ridgeline car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Honda Ridgeline Insurance
There are many ways that you can save on Honda Ridgeline car insurance. Below are five actions you can take to find cheap Honda Ridgeline auto insurance rates.
- Install an Aftermarket Anti-Theft Device for Your Honda Ridgeline
- Talk to Your Credit Card Company to Save on Rental Car Costs
- Tell Your Insurer About Different Drivers or Uses for Your Honda Ridgeline
- Take Advantage of Referral Fees
- If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
Top Honda Ridgeline Insurance Companies
Who is the top car insurance company for Honda Ridgeline insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Honda Ridgeline auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Honda Ridgeline offers.
| 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 | |||
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