Buy Cheap Honda Auto Insurance in 2023
The average Honda driver pays about $135/mo for full coverage auto insurance, but some models cost much less. For example, the Honda Fit costs about $113/mo to insure. Other factors that will affect cheap Honda auto insurance include your age, location, and driving history.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Nov 27, 2023
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Nov 27, 2023
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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
- The average Honda driver pays about $135 a month for car insurance, but prices vary by model
- Honda insurance is usually affordable because they have excellent safety and reliability ratings
- Although Honda car insurance is usually affordable, you can save even more by comparing quotes and finding discounts
Drivers looking for cheap Honda auto insurance will be happy to learn that 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.
Honda Auto Insurance Rates
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.
| Vehicle Model | Average Monthly Full Coverage Auto Insurance Rates |
|---|---|
| Honda Accord | $131 |
| Honda Accord Hybrid | $153 |
| Honda Civic | $154 |
| Honda CR-V | $114 |
| Honda Fit | $113 |
| Honda HR-V | $136 |
| Honda Odyssey | $134 |
| Honda Pilot | $134 |
| Honda Ridgeline | $147 |
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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Types of Honda Auto Insurance
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 car 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 insurance pays for your car repairs after an at-fault accident or a crash with a stationary object.
- Comprehensive: Comprehensive 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.
Factors That Affect Honda Auto Insurance Rates
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 To Get Cheap Honda Auto Insurance
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 and won’t be able to get cheap Honda auto insurance.
Frequently Asked Questions
How can I buy cheap Honda auto insurance?
To find affordable Honda auto insurance, consider the following tips:
- Shop around and compare quotes from multiple insurance providers to find the best rates.
- Maintain a clean driving record, as a history of accidents or violations can increase insurance premiums.
- Opt for a higher deductible, which can lower your premium but means you’ll pay more out of pocket in the event of a claim.
- Take advantage of discounts offered by insurance companies, such as safe driver discounts, multi-policy discounts, or discounts for anti-theft devices installed in your Honda vehicle.
- Consider bundling your auto insurance with other policies, such as homeowners or renters insurance, to potentially qualify for a multi-policy discount.
Why is Honda auto insurance so high?
Several factors can influence the cost of Honda auto insurance, including:
- Your driving record: Insurance companies consider your past driving history, including accidents and traffic violations. A clean driving record typically leads to lower premiums.
- Vehicle model: The make and model of your Honda can impact insurance costs. Factors such as the vehicle’s age, safety features, and likelihood of theft or damage are taken into account.
- Location: Where you live can affect insurance rates. Urban areas with higher traffic congestion or higher rates of theft may have higher premiums.
- Coverage and deductibles: The level of coverage you choose and the deductible amount can impact your premium. Higher coverage limits and lower deductibles generally result in higher premiums.
Are there any specific insurance considerations for different Honda models?
Yes, insurance considerations can vary depending on the Honda model you own. Factors such as the vehicle’s age, safety features, repair costs, and likelihood of theft can influence insurance premiums. Additionally, if you have a high-performance Honda model, you may face higher insurance costs due to increased risk associated with powerful vehicles. It’s recommended to consult with insurance providers to understand the specific coverage needs and associated costs for your Honda model.
Can I get discounts on Honda auto insurance?
Yes, many insurance companies offer discounts that can help you save on Honda auto insurance. Common discounts include:
- Safe driver discount: If you have a clean driving record with no accidents or traffic violations, you may qualify for a safe driver discount.
- Multi-policy discount: Insuring multiple vehicles or bundling your Honda auto insurance with other policies, such as homeowners or renters insurance, can often lead to a discount.
- Anti-theft device discount: Equipping your Honda with anti-theft devices, such as an alarm system or tracking device, may qualify you for a discount.
- Good student discount: If you or a covered driver on your policy is a full-time student with good grades, you may be eligible for a discount.
- Low-mileage discount: If you don’t drive your Honda frequently, you might qualify for a low-mileage discount.
Should I only consider price when purchasing Honda auto insurance?
While price is an important factor, it’s not the only consideration when purchasing Honda auto insurance. It’s crucial to also evaluate the coverage options, customer service reputation of the insurance company, claims handling process, and financial stability of the insurer. Reviewing the policy terms and conditions, including coverage limits, deductibles, and exclusions, is essential to ensure you have adequate protection for your Honda vehicle in various situations. Balance the cost with the quality of coverage and services provided to make an informed decision.
Are Hondas more expensive to insure?
No, most Hondas have affordable auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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.