A Comprehensive Look at Honda Insurance Rates
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UPDATED: Mar 12, 2020
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Financially speaking, car purchases rank in importance alongside home purchases and college savings plans. And because there are monthly, ongoing expenses that accrue with vehicles, you research multiple models to weed out any potential lemons. So you test drive, haggle and then wait for the dealer to work out the financing.
But the process isn’t over when you drive off the lot. You still have to get insurance for those wheels.
Researching auto insurance plans and comparing insurance providers is as tedious as it is important. And, the process has to wrap up in four days or less. That’s the grace period most insurance companies give you to get a new plan for your new car. After that, you’re on your own should something happen prior to having the vehicle insured.
We can serve as your starting point for figuring out which insurance is right for your particular vehicle and your particular situation.
Read more to learn about Honda Motor Company and how their vehicles stack up when it comes to getting them insured. We’ve covered the safety and insurance basics for some of the most popular models of Honda cars and some of the lesser-known and newer models too.
The origins of Honda
Since 1959, Honda has been the world’s largest motorcycle manufacturer and by 2001, Honda became the second-largest Japanese automobile manufacturer behind Toyota. Between those years, Honda became the first Japanese automobile manufacturer to release a dedicated luxury brand, Acura, in 1986. Around that same time, Honda began dedicating itself to artificial intelligence and robotics research, releasing in 2000 their ASIMO robot—a human-like biped that can respond to basic commands and perform basic tasks.
Even as they have their hands in multiple projects, Honda’s ingenuity has earned the carmaker a reputation of reliability with car engines lasting well past the 200,000-mile mark with regularity. In fact, a Honda that fails before the quarter-million mark is more surprising to owners that a Honda that reaches the 300,000-mile mark.
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By the numbers: How much does it cost to insure Honda vehicles?
As most insurers cover the entire U.S., ranges can vary considerable. To provide our estimate, we use Oregon rates. Studies have shown that insurance rates in Oregon are about the national average rate.
We calculated what the price of insurance would be for each model of vehicle, for a Portland, Oregon driver who meets the following criteria:
- Drives a 2018 model
- Drives 10,001 – 15,000 miles driven yearly
- Holds basic, required insurance coverage
- Has had no accidents in the past 5 years
- Has good credit
Here is how it breaks down, by model:
The average insurance costs for a Honda Civic is $80 a month — or $953 a year.
The average insurance costs for a Honda Accord is $76 a month — or $910 a year.
The average insurance costs for a CR-V is $68 a month — or $816 a year.
The average insurance costs for a Odyssey is $79 a month — or $942 a year.
The average insurance costs for a Pilot is $68 a month — or $811 a year.
The average insurance costs for a Ridgeline is $73 a month — or $880 a year.
Hondas are known for reliability, but are they reliably safe, too?
While Honda spent years perfecting the compact car, the make has never been known for Hummer-like safety. Nonetheless, the carmaker has done well over the years when it comes to safety ratings and safety technology. And they seem to be only getting better.
There are two excellent sources online that can give you a glimpse into how safe each vehicle is:
- Insurance Institute for Highway Safety—Founded in 1959 by insurance companies, the organization has evolved into an independent, nonprofit that is dedicated to using scientific research and outreach education to reduce deaths, injuries and property damage due to motor vehicle accidents. They have built a user-friendly “ratings” tool on their website that evaluates vehicles for crashworthiness (how well occupants are protected in a crash) and crash avoidance and mitigation (how well the vehicle can prevent an accident or lessen its severity). Vehicles are given one of four possible ratings (Poor, Marginal, Acceptable or Good) across multiple safety-related categories.
- National Highway Traffic Safety Administration—“Through enforcing vehicle performance standards and partnerships with state and local governments, NHTSA reduces deaths, injuries and economic losses from motor vehicle crashes.” That’s the group’s mission statement, which they help foster with a robust and interactive “ratings” tool online. You can also do use their “vehicle comparison” tool, which comes in handy when buying a new car. If your choice is between two or three makes and models, this tool could play a big role in helping you choose the best one.
Safety records of popular Honda models
Honda Civic (4-door sedan)
The Honda Civic has been a popular small car model for decades now, serving as an “entry-level” vehicle that is built to last for years and years. The most recent models also prove to be one of the safest small cars on the road. The Civic received the highest safety ranking on all six crashworthiness categories. It also received a “Superior” ranking for its front crash prevention system.
The only area where the Civic falls short is in crash avoidance and mitigation, where its headlights got the worst ranking available. This was in large part due to the car’s inability to throw light around curves adequately.
The Civic Hatchback and 2-door Coupe performed identically to the 4-door Civic across all categories.
Honda Accord (4-door sedan)
The Honda Accord is the company’s midsize car and like the Civic it is known to run reliably for many years. Meanwhile, its safety record is even better than the Civic, scoring a Top Safety Pick honor from the Insurance Institute for Highway Safety. The Accord not only receives the highest safety ratings across all crashworthiness factors, it also received bonus points for its child seat safety latch ease of use.
The Accord also managed to get a “Superior” ranking for its front crash prevention system.
While the Accord didn’t get the highest possible mark for headlight safety, it did get the second-highest rating, a marked improvement over the Civic.
The 2-door Coupe version of the Accord received similar safety rankings to its 4-door counterpart. However, the headlights and child seat latch only earned “Marginal” rankings, the survey’s next to the last ranking.
Honda’s small SUV model is the CR-V and it scores big on safety, garnering a Top Safety Pick honor from the Insurance Institute for Highway Safety. All six categories of crashworthiness for the CR-V were at the highest possible ranking, and the front crash prevention system hauled in a “Superior” ranking as well.
Minor headlight and child seat safety latch issues kept the CR-V from getting a perfect safety ranking, but even in these areas, the SUV was given the second-highest safety rating.
Honda’s minivan is called the Odyssey and its journey has been a safety-friendly one. It also garnered the IIHS’s Top Safety Pick ranking thanks to a perfect six for six top safety ratings on each category of crashworthiness. Front crash prevention? Superior. Child seat anchors ease of use? Good +. Only the headlights failed to hit the top mark, but the system still got the next-best ranking.
The Honda Pilot received “Good” (the highest rating) and “Acceptable” (the second highest rating) ranks across the board, navigating itself to a 2018 Top Safety Pick Award. One of the “Acceptable” rankings came from the crashworthiness of the passenger-side. In a severe enough passenger-side accident, the driver’s head could hit the dashboard causing serious head injuries. Injuries to the right lower leg would also be possible, the report said. But it should be noted that this midsize SUV is one of the safest on the road.
Honda now makes a large pickup called the Ridgeline and safety tests say this truck is a safe ride. It was another recipient of a Top Safety Pick for 2018 thanks to perfect safety rankings for crashworthiness, crash avoidance and mitigation, and front crash prevention. Even the headlight system was top-rated, the only Honda model to garner that ranking in this particular category. The child seat safety latch ease of use was the only area the pickup did not get the highest ranking.
How can you save money on car insurance?
Insurance rates are, like many things today, based on algorithms. That means you can potentially optimize your personal information to get the best rate available to you. The savings sometimes can be significant. Here are some helpful tips to reduce your insurance premium costs.
Fill out your form right
Insurance prices will change based on a number of factors, such as your age and your sex. You can’t do much about those, but you can do something about other pieces of the formula:
- Location matters— You may not feel like moving just to reduce your insurance rates, but you still can be diligent about how and where you use your vehicle. If your car is used for a basic commute in the suburbs versus a long commute through dense big-city traffic, your rate could be affected.
- The past can haunt you— Those little speeding tickets can really add up. Take advantage of any legal options you have to improve your driving record, like traffic schools. Each state and insurance carrier use slightly different tactics, but a ticket can clear off your record in as little as two years. Learn the system.
- Get the right coverage — You have many options whether it is liability, comprehensive and collision insurance. Getting GAP insurance and full coverage can provide the most protection.
- Take credit— Using one’s credit history to set insurance rates is being contested in some parts of the country and may not last forever. But, studies show that people with better credit records tend to have fewer accidents. So, pay off your credit cards. Or, at the very least, stay current on your credit card payments so you keep your creditworthiness high.
- Make and model—Vehicle value will impact your insurance rates because replacing a stolen luxury vehicle is far more expensive than replacing a commuter car.
Smart research begets smart choices. Make sure you compare price estimates from a variety of insurance companies. While most carriers are competitive, not all carriers offer the same discounts especially when you can—with some insurers—bundle your auto insurance with other forms of insurance, such as homeowners insurance. This typically triggers discounts that add up over the long term. Renters insurance, anyone? Life insurance, anyone?
Ask your insurance agent about any other ways they can reduce your rates. For example, if you are insuring your teenager, you may want to see if your provider will lower your rates whenever you add any sort of safety device. Hum by Verizon is an example of a communication technology that helps you track your car’s location and other driving data. If you live in an unsafe area, make sure your provider knows that your car is in a garage or has an alarm system.
Remember, the goal is to get all possible discounts to kick in. And the only way to make sure that is happening is to ask all the possible questions.