If you’re in the market for a new vehicle, you must factor the cost of car insurance into your car budget. Interested in how much car insurance for a Honda costs? Here’s what you need to know.
On average, Honda car insurance costs an average of $2,152 a year or $179 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 $2,152 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 vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Honda car insurance rates by insurance company.
Cost to insure a Honda, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,747 | $874 | $146 |
| Geico | $1,788 | $894 | $149 |
| State Farm | $1,844 | $922 | $154 |
| Progressive | $1,976 | $988 | $165 |
| Farmers | $2,785 | $1,392 | $232 |
| Allstate | $2,862 | $1,431 | $239 |
Honda average insurance rates, by model
Honda CR-V car insurance cost
The average car insurance premium for Honda CR-V is $161 per month, which translates to $1,932 per year. The most affordable company for a Honda CR-V is Nationwide with a rate of $117 monthly or $1,402 per year.
Honda HR-V car insurance cost
The average car insurance premium for Honda HR-V is $161 per month, which translates to $1,936 per year. The most affordable company for a Honda HR-V is Geico with a rate of $133 monthly or $1,601 per year.
Honda Pilot car insurance cost
For Honda Pilot owners, the average car insurance cost is $173 per month or $2,076 annually. Nationwide offers the most affordable insurance premiums with an average annual cost of $1,444 or $120 per month.
Honda Odyssey car insurance cost
Car insurance costs an average of $173 per month, which adds up to $2,080 a year for a Honda Odyssey. Among the companies analyzed, Nationwide stands out as the most affordable option, at an average annual cost of $1,607 or $134 per month.
Honda Passport car insurance cost
Car insurance cost for a Honda Passport is $2,142 a year or $179 monthly. If you own a Honda Passport, State Farm has the cheapest car insurance rates with an average annual premium of $1,768 or $147 per month.
Honda CR-V Hybrid car insurance cost
The average car insurance premium for Honda CR-V Hybrid is $180 per month, which translates to $2,164 per year. The most affordable company for a Honda CR-V Hybrid is State Farm with a rate of $153 monthly or $1,837 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.
According to a study by the Insurance Information Institute, in 2020, young drivers represented just 5.1% of all licensed drivers but were involved in 8.5% of fatal crashes. This data highlights that young drivers are more frequently involved in accidents, leading to increased claims.
Additionally, teens tend to engage in riskier driving behavior compared to older drivers, contributing to higher insurance costs.
Car insurance costs generally decrease as drivers gain more experience and avoid getting tickets and filing claims. However, when drivers turn 60, insurance rates tend to rise again. The tables below show Honda insurance costs 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 | $8,585 | $4,293 | $715 |
| 18 | Honda Civic Hatchback | $8,603 | $4,302 | $717 |
| 18 | Honda Civic Sedan | $8,581 | $4,290 | $715 |
| 18 | Honda Civic Si | $9,590 | $4,795 | $799 |
| 18 | Honda Civic Type R | $11,520 | $5,760 | $960 |
| 18 | Honda CR-V | $7,038 | $3,519 | $586 |
| 18 | Honda CR-V Hybrid | $7,870 | $3,935 | $656 |
| 18 | Honda HR-V | $7,156 | $3,578 | $596 |
| 18 | Honda Odyssey | $7,545 | $3,773 | $629 |
| 18 | Honda Passport | $7,774 | $3,887 | $648 |
| 18 | Honda Pilot | $7,501 | $3,751 | $625 |
| 18 | Honda Ridgeline | $8,426 | $4,213 | $702 |
Cost to insure a Honda, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Honda Accord | $2,342 | $1,171 | $195 |
| 40 | Honda Civic Hatchback | $2,309 | $1,154 | $192 |
| 40 | Honda Civic Sedan | $2,288 | $1,144 | $191 |
| 40 | Honda Civic Si | $2,508 | $1,254 | $209 |
| 40 | Honda Civic Type R | $3,116 | $1,558 | $260 |
| 40 | Honda CR-V | $1,932 | $966 | $161 |
| 40 | Honda CR-V Hybrid | $2,164 | $1,082 | $180 |
| 40 | Honda HR-V | $1,936 | $968 | $161 |
| 40 | Honda Odyssey | $2,080 | $1,040 | $173 |
| 40 | Honda Passport | $2,142 | $1,071 | $179 |
| 40 | Honda Pilot | $2,076 | $1,038 | $173 |
| 40 | Honda Ridgeline | $2,317 | $1,158 | $193 |
Honda car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Honda car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Honda car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,002 | $1,001 | $167 |
| Alabama | $2,032 | $1,016 | $169 |
| Arkansas | $2,259 | $1,129 | $188 |
| Arizona | $2,088 | $1,044 | $174 |
| California | $2,647 | $1,323 | $221 |
| Colorado | $2,745 | $1,373 | $229 |
| Connecticut | $2,227 | $1,114 | $186 |
| Washington, D.C. | $2,622 | $1,311 | $218 |
| Delaware | $2,187 | $1,094 | $182 |
| Florida | $2,727 | $1,364 | $227 |
| Georgia | $2,584 | $1,292 | $215 |
| Hawaii | $1,402 | $701 | $117 |
| Iowa | $1,796 | $898 | $150 |
| Idaho | $1,415 | $708 | $118 |
| Illinois | $2,079 | $1,040 | $173 |
| Indiana | $1,921 | $961 | $160 |
| Kansas | $2,250 | $1,125 | $187 |
| Kentucky | $2,687 | $1,344 | $224 |
| Louisiana | $3,618 | $1,809 | $302 |
| Massachusetts | $1,884 | $942 | $157 |
| Maryland | $1,990 | $995 | $166 |
| Maine | $1,497 | $748 | $125 |
| Michigan | $2,815 | $1,408 | $235 |
| Minnesota | $2,322 | $1,161 | $193 |
| Missouri | $2,489 | $1,244 | $207 |
| Mississippi | $2,298 | $1,149 | $191 |
| Montana | $2,299 | $1,149 | $192 |
| North Carolina | $1,791 | $896 | $149 |
| North Dakota | $1,864 | $932 | $155 |
| Nebraska | $2,239 | $1,119 | $187 |
| New Hampshire | $1,633 | $816 | $136 |
| New Jersey | $2,132 | $1,066 | $178 |
| New Mexico | $2,236 | $1,118 | $186 |
| Nevada | $2,146 | $1,073 | $179 |
| New York | $1,559 | $779 | $130 |
| Ohio | $1,558 | $779 | $130 |
| Oklahoma | $2,332 | $1,166 | $194 |
| Oregon | $2,082 | $1,041 | $173 |
| Pennsylvania | $2,291 | $1,146 | $191 |
| Rhode Island | $2,507 | $1,253 | $209 |
| South Carolina | $2,038 | $1,019 | $170 |
| South Dakota | $2,436 | $1,218 | $203 |
| Tennessee | $2,363 | $1,181 | $197 |
| Texas | $3,031 | $1,515 | $253 |
| Utah | $1,765 | $883 | $147 |
| Virginia | $1,606 | $803 | $134 |
| Vermont | $1,571 | $786 | $131 |
| Washington | $1,838 | $919 | $153 |
| Wisconsin | $1,654 | $827 | $138 |
| West Virginia | $1,978 | $989 | $165 |
| Wyoming | $2,155 | $1,078 | $180 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Honda car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, 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 often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
Cheapest Honda models to insure
Opting for smaller, less costly Honda models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade to higher-level trims.
Family-friendly models equipped with various safety features can help keep your insurance premiums affordable. Advanced safety technologies like automatic emergency braking, backup cameras and blind spot detection often qualify for discounts.
“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 looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
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 can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“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 about Honda insurance premiums? The insurance rates vary based on the specific model you choose. Since Honda manufactures various vehicles, the insurance premiums differ accordingly.
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.
Remember to compare apples to apples when it comes to insurance quotes for different vehicle types. A luxury sedan will always cost more to insure than a minivan or mid-size SUV, so when comparing insurance quotes, be sure to compare the same vehicle types and coverage limits.
This advice also applies when comparing vehicles from different manufacturers. A luxury German sedan, like a BMW or Mercedes, will generally cost more to insure than a minivan or compact vehicle from another brand. Therefore, always compare similar vehicle types and trim levels when shopping for 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 offers a diverse lineup of models, and the cost to insure them varies based on several factors. Choosing an entry-level vehicle with a low MSRP, smaller engine and various safety features can help keep your insurance premiums affordable. On the other hand, choosing luxury or sporty models will typically increase the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Honda model you drive off the lot.
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 July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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