Buy Cheap Honda Auto Insurance in 2023

Honda is known for its safety, reliability, and affordable price tags. Some models are incredibly popular among Americans, with the CR-V making the top 10 most-sold cars in the country. One of the benefits of buying a Honda is that they come with affordable car insurance rates, including Honda CR-V auto insurance rates.

Finding the best cheap car insurance is relatively easy for a Honda since rates typically match the national average. On top of having overall affordable rates, drivers can save even more by comparing quotes, finding discounts, and picking the right coverage for their Honda.

Read on to learn where to find cheap Honda auto insurance rates and how to maximize your savings. Then, compare rates with as many companies as possible to ensure you find the right coverage for your needs.

How much is Honda auto insurance?

Are Hondas expensive to insure? Hondas have a reputation for being safe, reliable cars. They’re also considered affordable vehicles, with new models costing between $25,000 and a little over $40,000. The combination of reliability and affordability leads to low insurance rates.

The average Honda driver pays about $135 a month for car insurance, which matches the national average. However, depending on the model you buy, you might pay more or less. Check below for the average insurance rates for some of Honda’s most popular models.

As you can see, there’s significant variation between models. For example, there’s a $40 difference between Honda’s most and least expensive models.

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What kind of Honda auto insurance should you buy?

As one of the most popular brands in America, more Hondas are showing up on the road year after year. However, if you buy a Honda, you’ll need the right insurance to protect it.

If your Honda costs less than a few thousand dollars, you can probably get the minimum insurance required by your state. Minimum insurance is your cheapest option.

Drivers with a newer Honda should probably get full coverage. Full coverage is a suite of insurance types that protect your car, yourself, and your passengers from just about anything the road can throw at you. It usually costs twice what minimum insurance costs, but it’s often worth the extra protection.

To understand what coverage you should buy for your Honda, consider the following types of insurance:

• Liability: Every state requires liability auto insurance except Virginia and New Hampshire. It pays for damages and injuries you cause in an at-fault accident but doesn’t cover your car.
• Collision: Collision auto insurance pays for your car repairs after an at-fault accident or a crash with a stationary object.
• Comprehensive: Comprehensive auto insurance is an important option for newer cars because it pays for repairs after damage from fires, floods, hail, vandalism, theft, or animals.
• Uninsured/underinsured motorist: If a driver without enough coverage hits you, buying uninsured motorist insurance pays for your car repairs and medical bills.
• Personal injury protection/medical payments: Medical payments and buying personal injury protection insurance covers medical expenses for you and your passengers. The kind you can purchase depends on where you live.

You’ll likely need to buy full coverage if you have a loan or lease on your Honda. While full coverage offers relatively complete protection, it doesn’t cover everything. So, many Honda drivers buy additional coverage to increase their protection.

Add-on options depend on the company you shop from, but some of the most popular add-ons include roadside assistance, rental car reimbursement, and gap insurance.

What affects your Honda auto insurance rates?

When you need Honda car insurance, companies will look at several factors to determine your rates, including:

• Driving history: If you have infractions on your driving record, you’ll pay more for your car insurance. Drivers with speeding tickets, at-fault accidents, and DUIs will pay much more for insurance. Learn how to get auto insurance after a DUI.
• Age and gender: Insurance companies carefully track who makes claims, so they know men and young drivers are more likely to file one. While these groups pay more for insurance, the price difference lessens with age. For example, the Honda Civic insurance cost for a 16-year-old is $561 per month on average.
• Credit score: Insurance companies can use your credit score to determine your insurance rates, except in a few states. Drivers with higher scores will pay less for car insurance. Learn how to get cheap auto insurance for drivers with bad credit.
• Location: Some states have higher insurance rates than others. You’ll pay more for insurance if your state has higher theft rates, car accidents, or extreme weather conditions.
• Marital status: Single people file more claims than married people, so they tend to pay slightly higher insurance rates.
• Your car: Insurance companies look at your car’s age, model, and title history to determine your rates. For example, older cars generally have lower insurance rates because they cost less to replace.

The amount of coverage you want to buy will also affect how much you pay. Many Honda owners choose full coverage, especially if they have a car loan or lease. Minimum insurance is ideal for people with older, less valuable vehicles — it costs less than full coverage but doesn’t protect your car.

How can you get cheap auto insurance for a Honda?

Most Honda owners have taken the first step in finding affordable car insurance. The average Honda insurance cost is low, so finding an affordable policy isn’t difficult.

However, there are always more ways to save. Try the following tips if you want to find even lower rates for your Honda car insurance:

• Look for discounts. One of the things you should look for when researching your options is how many auto insurance discounts a company offers. The more discounts you’re eligible for, the lower your rates will be.
• Drive safe. Drivers with clean records pay less for insurance than people with speeding tickets and reckless driving charges. If you have too many incidents, you might need high-risk car insurance.
• Lower your coverage. If you drive an older, less valuable Honda, you can save by reducing the amount of coverage in your policy.
• Raise your deductible. You can save money by choosing a higher auto insurance deductible. Just be careful – you must pay the amount you choose before your insurance kicks in during a claim.
• Try usage-based insurance. Usage-based insurance programs help low-mileage, safe drivers save on their coverage. If you drive late at night, regularly speed, or put a lot of miles on your car, you should probably skip usage-based insurance.

While the above tips are excellent ways to keep your rates low, starting with the lowest quote possible is best. Comparing quotes with multiple companies is the only way to see what’s out there for your unique situation. You might be surprised by which company has the cheapest car insurance for you.

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Find Cheap Honda Auto Insurance Rates Today

Hondas are reliable, safe cars drivers have depended on for years. Due to Honda’s excellent safety ratings and affordability, drivers usually enjoy low insurance rates. Even though Hondas have low average rates to start with, you can save even more by finding discounts and choosing the right amount of coverage.

The best way to find the lowest rates for your Honda is to compare quotes with as many companies as possible. If you skip this crucial step, you’ll likely overpay for car insurance.

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