Compare Honda Ridgeline Insurance Rates [Guide + Free Quotes]
Average Honda Ridgeline insurance rates cost $123 per month ($1,472 per year). On average, Honda Ridgeline comprehensive insurance coverage costs $359, collision coverage costs $523, and liability coverage costs $415.
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Written by
Sara Routhier
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Reviewed by
Cynthia Lanctot
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UPDATED: Jul 16, 2021
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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 don’t need to break the bank. Good drivers can save as much as $607 a year by earning policy discounts. Learn how to save on Honda Ridgeline insurance rates in our comprehensive guide.
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 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 Toyota Tundra, Toyota Tacoma, and Dodge Ram.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| Toyota Tundra | $320 | $512 | $440 | $1,452 |
| Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| Dodge Ram | $362 | $562 | $420 | $1,524 |
| Nissan Frontier | $294 | $500 | $420 | $1,394 |
| GMC Sierra | $336 | $594 | $372 | $1,460 |
| Chevrolet Silverado | $322 | $562 | $420 | $1,484 |
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?
Even though the average annual rate for the Honda Ridgeline is $1,472, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your 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 Honda Ridgeline auto insurance rates. For example, 20-year-old drivers pay approximately $1,800 more each year for their Honda Ridgeline auto insurance 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 $545 a year more than drivers in Philadelphia.
Your Driving Record
Your driving record can have an impact on your Honda Ridgeline auto 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
Not only do good Honda Ridgeline crash test ratings mean you are better protected in a crash, but good Honda Ridgeline crash ratings also mean cheaper 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 safety features of the Honda Ridgeline can impact your Honda Ridgeline car insurance rates. The Honda Ridgeline has the following safety features:
- 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 coverages including comprehensive coverage, so be sure to 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 several ways you can save even more on your Honda Ridgeline car insurance rates. Take a look at the following five tips:
- Avoid the Temptation to File a Claim for Minor Incidents
- If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
- Buy Your Honda Ridgeline with Cash, or Get a Shorter-Term Loan
- Provide Your Honda Ridgeline VIN When Requesting Honda Ridgeline Auto Insurance Quotes
- Make Sure You Use an Accredited Driver Safety Program
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 | |||
Compare Free Honda Ridgeline Insurance Quotes Online
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.