If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
On average, Honda car insurance costs an average of $2,600 a year or $217 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the Honda model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for Honda is $2,600 per year.
- The CR-V is the cheapest Honda model to insure.
- Advanced safety features that come standard on Honda models help lower your insurance costs.
Average cost of car insurance for a Honda, by company
Car insurance premiums can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Honda vehicles compare among different insurers in the table below.
Cost to insure a Honda, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $1,843 | $921 | $154 |
| State Farm | $2,205 | $1,103 | $184 |
| GEICO | $2,207 | $1,103 | $184 |
| Nationwide | $2,317 | $1,158 | $193 |
| Progressive | $2,324 | $1,162 | $194 |
| Allstate | $3,195 | $1,597 | $266 |
| Farmers | $3,585 | $1,792 | $299 |
| USAA | $1,818 | $909 | $152 |
Honda average insurance rates, by model
Honda CR-V car insurance cost
Car insurance cost for a Honda CR-V is $193 per month or $2,316 a year, based on CarInsurance.com’s rate analysis. Travelers offers the most affordable car insurance rates for a Honda CR-V at an average monthly cost of $134 or $1,606 yearly.
Honda HR-V car insurance cost
The average car insurance premium for Honda HR-V is $198 per month, which translates to $2,376 per year. The most affordable company for a Honda HR-V is Travelers with a rate of $149 monthly or $1,787 per year.
Honda Passport car insurance cost
The average car insurance premium for Honda Passport is $205 per month, which translates to $2,462 per year. The most affordable company for a Honda Passport is Travelers with a rate of $133 monthly or $1,593 per year.
Honda Pilot car insurance cost
The monthly car insurance cost for a Honda Pilot is $207 , which translates to $2,481 annually. Travelers tops the list of the most affordable car insurance companies, with an average cost of $1,713 a year or $143 per month.
Honda Odyssey car insurance cost
The average monthly car insurance premium for a Honda Odyssey is $207 , which totals $2,486 annually. Travelers offers the cheapest rate at $139 per month or $1,674 annually.
Honda CR-V Hybrid car insurance cost
The average car insurance premium for Honda CR-V Hybrid is $209 per month, which translates to $2,506 per year. The most affordable company for a Honda CR-V Hybrid is Travelers with a rate of $132 monthly or $1,579 per year.
Insurance rates by car model
The average cost of car insurance for a Honda, by driver age
Your age is an important rating factor in determining your Honda car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Honda based on the driver’s age.
Cost to insure a Honda, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Honda Accord | $9,066 | $4,533 | $756 |
| 18 | Honda Civic Hatchback | $9,444 | $4,722 | $787 |
| 18 | Honda Civic Sedan | $9,202 | $4,601 | $767 |
| 18 | Honda Civic Si | $10,398 | $5,199 | $867 |
| 18 | Honda Civic Type R | $12,298 | $6,149 | $1,025 |
| 18 | Honda CR-V | $7,475 | $3,738 | $623 |
| 18 | Honda CR-V Hybrid | $8,101 | $4,050 | $675 |
| 18 | Honda HR-V | $7,779 | $3,889 | $648 |
| 18 | Honda Odyssey | $8,015 | $4,007 | $668 |
| 18 | Honda Passport | $7,937 | $3,968 | $661 |
| 18 | Honda Pilot | $7,941 | $3,970 | $662 |
| 18 | Honda Prologue | $10,141 | $5,070 | $845 |
| 18 | Honda Ridgeline | $8,310 | $4,155 | $693 |
Cost to insure a Honda, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Honda Accord | $2,804 | $1,402 | $234 |
| 40 | Honda Civic Hatchback | $2,906 | $1,453 | $242 |
| 40 | Honda Civic Sedan | $2,809 | $1,404 | $234 |
| 40 | Honda Civic Si | $3,127 | $1,564 | $261 |
| 40 | Honda Civic Type R | $3,798 | $1,899 | $316 |
| 40 | Honda CR-V | $2,316 | $1,158 | $193 |
| 40 | Honda CR-V Hybrid | $2,506 | $1,253 | $209 |
| 40 | Honda HR-V | $2,376 | $1,188 | $198 |
| 40 | Honda Odyssey | $2,486 | $1,243 | $207 |
| 40 | Honda Passport | $2,462 | $1,231 | $205 |
| 40 | Honda Pilot | $2,481 | $1,240 | $207 |
| 40 | Honda Prologue | $3,103 | $1,551 | $259 |
| 40 | Honda Ridgeline | $2,547 | $1,273 | $212 |
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Honda car insurance rates by state
When it comes to insuring your Honda, your location can greatly affect your premiums. Rates vary significantly across states due to traffic conditions, accident rates, theft/vandalism, weather incidents and state laws. Below, you’ll find Honda car insurance for all the states in the U.S.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,359 | $1,179 | $197 |
| Alabama | $2,225 | $1,113 | $185 |
| Arkansas | $2,968 | $1,484 | $247 |
| Arizona | $2,681 | $1,340 | $223 |
| California | $3,242 | $1,621 | $270 |
| Colorado | $3,031 | $1,516 | $253 |
| Connecticut | $2,989 | $1,495 | $249 |
| Washington, D.C. | $3,262 | $1,631 | $272 |
| Delaware | $2,990 | $1,495 | $249 |
| Florida | $3,223 | $1,612 | $269 |
| Georgia | $2,775 | $1,388 | $231 |
| Hawaii | $1,545 | $773 | $129 |
| Iowa | $2,179 | $1,089 | $182 |
| Idaho | $1,781 | $891 | $148 |
| Illinois | $2,182 | $1,091 | $182 |
| Indiana | $1,769 | $884 | $147 |
| Kansas | $2,446 | $1,223 | $204 |
| Kentucky | $2,987 | $1,493 | $249 |
| Louisiana | $4,432 | $2,216 | $369 |
| Massachusetts | $2,074 | $1,037 | $173 |
| Maryland | $2,776 | $1,388 | $231 |
| Maine | $1,620 | $810 | $135 |
| Michigan | $3,672 | $1,836 | $306 |
| Minnesota | $2,457 | $1,229 | $205 |
| Missouri | $2,456 | $1,228 | $205 |
| Mississippi | $2,831 | $1,416 | $236 |
| Montana | $2,354 | $1,177 | $196 |
| North Carolina | $2,299 | $1,149 | $192 |
| North Dakota | $2,124 | $1,062 | $177 |
| Nebraska | $2,615 | $1,308 | $218 |
| New Hampshire | $1,714 | $857 | $143 |
| New Jersey | $3,026 | $1,513 | $252 |
| New Mexico | $2,443 | $1,222 | $204 |
| Nevada | $3,546 | $1,773 | $295 |
| New York | $2,907 | $1,454 | $242 |
| Ohio | $1,734 | $867 | $144 |
| Oklahoma | $2,876 | $1,438 | $240 |
| Oregon | $2,302 | $1,151 | $192 |
| Pennsylvania | $2,513 | $1,256 | $209 |
| Rhode Island | $2,803 | $1,402 | $234 |
| South Carolina | $3,134 | $1,567 | $261 |
| South Dakota | $2,718 | $1,359 | $227 |
| Tennessee | $2,213 | $1,107 | $184 |
| Texas | $2,991 | $1,496 | $249 |
| Utah | $2,059 | $1,029 | $172 |
| Virginia | $2,175 | $1,088 | $181 |
| Vermont | $1,653 | $827 | $138 |
| Washington | $2,094 | $1,047 | $174 |
| Wisconsin | $2,405 | $1,202 | $200 |
| West Virginia | $2,269 | $1,135 | $189 |
| Wyoming | $1,896 | $948 | $158 |
Average car insurance cost for different vehicle makes
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To find affordable Honda car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Safety features like airbags, backup cameras, automatic emergency braking and lane departure warnings play a significant role in keeping insurance premiums low. Minivans and compact to midsize SUVs continue to top the list of the most affordable cars to insure.
Pickups and commercial vans also tend to be cheaper to insure than sedans and other vehicle types. They are usually cheaper to repair because the back end of the vehicle is just an empty bed, it doesn’t have seating or other expensive electrical and safety components. Cheaper repairs result in cheaper insurance.
Cheapest Honda models to insure
Smaller, budget-friendly Honda models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Models that are popular with families and are loaded with safety features will help keep your premium affordable. Advanced safety features such as automatic emergency braking, a backup camera and blind spot detection can result in a discount on your premium.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Honda models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re planning to reduce your insurance expenses, try to avoid these types of vehicles:
- EVs: Electric vehicles (EVs) come with large, costly batteries, which can make them more expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor this risk into your premium.
- Luxury and sports cars: Insurers view luxury and sports cars as higher risk due to their hefty price tags. With big engines and exclusive features, these vehicles are costly to repair or replace, which leads to higher insurance premiums.
- Favorites of thieves: Insurance companies diligently analyze theft data to assess risk. Owning a vehicle that ranks high on thieves’ lists can lead to increased insurance premiums. Each year, the National Insurance Crime Bureau (NICB) releases a list of the most targeted cars by thieves. By selecting a vehicle that isn’t frequently stolen, you can potentially reduce your insurance expenses.
How to save on car insurance for a Honda
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” Mckenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” Mckenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Honda discounts on car insurance
One way to save money on your Honda insurance is to make sure that all available discounts are being applied to your policy. Insurers offer a variety of discounts that can dramatically lower your premium.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Curious how much is Honda insurance? It will depend on which model you choose. Honda builds a variety of different vehicles and the cost to insure them will vary depending on the vehicle type.
Smaller SUVs and minivans generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Honda
Honda, founded in 1948 by Soichiro Honda, is a widely recognized Japanese brand known for its diverse portfolio of vehicles and motorcycles. The brand has gained a reputation for its focus on innovation, efficiency and durability.
Final thoughts on Honda insurance costs
Honda makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
No matter which Honda model you choose, you can save money on your insurance by regularly comparing your coverage options, inquiring about available discounts and opting for the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Honda?
Yes, your driving record has a significant impact on your Honda’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Honda affect the insurance premium?
No, the color of your Honda does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Honda affect insurance costs?
The age of your Honda can influence your insurance costs. Older Honda models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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