Honda car insurance: What are the cheapest Honda models to insure?

Honda cars are a favorite among drivers around the globe. This carmaker has held its lofty reputation for decades and is known for producing cars that offer fuel economy and “bulletproof” reliability.

The average Honda car insurance rate for all 2021 models combined in the U.S. is $1,539, based on the profile of a 40-year-old male with full coverage. But rates vary from vehicle to vehicle. Honda Civic insurance costs differ from Honda Odyssey insurance rates, for example.

Read on to learn more about Honda insurance rates so you can better budget for coverage. You can also learn how to cut your car insurance costs by gleaning insights into the right vehicles to consider the next time you shop for a car.

Contents

Table of Contents

Table of Contents

• Honda car insurance costs by model
• Honda CR-V insurance costs
• Honda Accord insurance costs
• Honda Civic insurance costs
• Honda Pilot insurance costs
• Honda Odyssey insurance costs
• Honda Ridgeline insurance costs
• How to budget and save on Honda car insurance

Honda car insurance costs by model

Honda car insurance rates vary by model. Although many hang around the $1,500 range, some models cost a bit more to insure.

Following is a list of average Honda car insurance rates for 2021:

Now that you have a better idea of how much it costs to insure individual Honda models, let’s take a deeper dive into the cost of covering the most popular models.

Honda CR-V insurance costs

The Honda CR-V is a popular vehicle that Edmunds describes as the “quintessential small SUV.” It is known for being easy to drive and for its fuel economy.

The purchase price ranges between $25,350 and $35,150 MSRP, and it costs an average of $1,352 to insure.

The Honda CR-V comes in four different trim packages:

1. EX
2. EX-L
3. LX
4. Touring

The 2021 Honda CR-V earns a Top Safety Pick Award from the Insurance Institute for Highway Safety (IIHS) and Highway Loss Data Institute (HLDI). It earned especially high marks in the crashworthiness and crash avoidance and mitigation categories.

The lowest average cost of insuring a Honda CR-V is in Maine ($807). The highest average cost is in Michigan ($2,825).

Insurance cost for used Honda CR-V

As with most car models, Honda CR-V insurance costs are much lower for vehicles that are a few years old. 

The average cost of insuring a used Honda CR-V are:

Honda Accord insurance costs

Among the world’s most popular midsized cars for many years, the Honda Accord hits all the right buttons: it’s reliable, safe, fuel-efficient and fun to drive.  

Purchase costs range between $24,770 and $36,700 MSRP. The average Honda Accord insurance cost is $1,571.

The Honda Accord comes in six different trim packages:

1. LX
2. Sport
3. Sport Special Edition (or simply SE)
4. EX-L
5. Sport 2.0T
6. Touring

The 2021 Honda Accord earns a Top Safety Pick Award+ from the Insurance Institute for Highway Safety (IIHS) and Highway Loss Data Institute (HLDI). The “plus” designation goes to models that offer good or acceptable headlight ratings on all versions. 

The average Honda Accord car insurance is the cheapest in Maine ($955). The highest average cost is in Michigan ($3,155).

Insurance cost for used Honda Accord

The midsized Accord costs a bit more to insure than the CRV. Like most car models, the price of insuring a Honda Accord has remained pretty consistent over the past four years:

Honda Civic insurance costs

Edmunds lauds the Honda Civic as “our favorite car model.” Millions of vehicle owners love this vehicle for its combination of performance and reliability at a relatively cheap price.

Purchase costs range between MSRP of between $21,050 and $28,100. The average Honda Civic insurance cost is $1,616.

The Civic comes in six different trim packages:

1. LX
2. Sport
3. EX
4. EX-L
5. Touring

The 2021 Honda Civic earns a Top Safety Pick Award from the Insurance Institute for Highway Safety (IIHS) and Highway Loss Data Institute (HLDI). 

How much is car insurance for a Honda Civic? The lowest average Honda Civic car insurance cost is in Maine ($963). The highest average cost is in Michigan ($3,351).

Insurance cost for used Honda Civic

Historically, Honda Civic car insurance has cost a bit more than what you will pay to cover other vehicles from this carmaker. 

Honda Pilot insurance costs

The Pilot is the largest SUV that Honda makes. It seats up to eight passengers, but still lives up to Honda’s reputation for fuel efficiency.

Purchase costs range between $32,550 and $50,220 MSRP. The average Honda Pilot insurance cost is $1,504.

The Pilot comes in seven different trim packages:

1. LX
2. EX
3. EX-L
4. SE (Special Edition)
5. Touring
6. Elite
7. Black Edition

The 2021 Honda Pilot performed relatively well in safety ratings from the Insurance Institute for Highway Safety (IIHS) and Highway Loss Data Institute (HLDI). However, it did not earn a Top Safety Pick Award.

The lowest average cost of insuring a Honda Pilot is in Maine ($852). The highest average cost is in Michigan ($2,966).

Insurance cost for used Honda Pilot

If you buy a used version of the Honda Pilot, you can expect to pay in the neighborhood of $1,500 for insurance annually. 

Honda Odyssey insurance costs

The Honda Odyssey minivan is known for its large passenger and cargo space, and for a V6 engine that gives it plenty of “get up and go.” In fact, Edmunds praises the minivan as being “so much better than the rest that your search can start and end here.”

Purchase costs range between $31,790 and $47,820 MSRP. The average Honda Odyssey insurance cost is $1,425.

The Odyssey comes in five different trim packages:

1. LX
2. EX
3. EX-L
4. Touring
5. Elite

The 2021 Honda Odyssey earned a Top Safety Pick+ Award from the Insurance Institute for Highway Safety (IIHS) and Highway Loss Data Institute (HLDI).

The lowest average cost of insuring a Honda Odyssey is in Maine ($873). The highest average cost is in Michigan ($2,915).

Insurance cost for used Honda Odyssey

As with the Honda Pilot, bigger does not always mean more expensive to insure when it comes to the Honda Odyssey. 

Honda Ridgeline insurance costs

The Honda Ridgeline has been Edmunds’ top-ranked midsize truck for years. The truck earns plaudits for the smoothness of the ride and the fact that the interior is quiet and comfortable.

Purchase costs range between $36,490 and $43,920 MSRP. The average Honda Ridgeline insurance cost is $1,514.

The Honda Ridgeline comes in four different trim packages, including:

1. Sport
2. RTL
3. RTL-E
4. Black Edition

Like the Pilot, the 2021 Honda Ridgeline performed relatively well in safety ratings from the Insurance Institute for Highway Safety (IIHS) and Highway Loss Data Institute (HLDI). However, it did not earn a Top Safety Pick Award.

Insurance cost for used Honda Ridgeline

The cost of insuring a Honda Ridgeline has remained pretty steady over the past four years:

How to budget and save on Honda car insurance

Purchasing the right model is one way to save on Honda car insurance. As you can see, some cars from Honda cost more to insure than others. Picking a lower-cost option can save you money year after year.

Of course, one of the best ways to cut your car insurance costs is to shop around and compare rates with more than one insurance company, which you can do quickly at CarInsurance.com. We recommend you get quotes from at least three insurance companies. It’s also essential to learn a bit about the factors that affect car insurance rates so you can do what you can to control those, in your favor.

Finally, using our Car Insurance Estimator also helps you get an overview of how much you will pay in insurance based on your driver profile.

Related Articles & Guides

• Car Make and Model
• Cheapest Cars to Insure
• Most Expensive Cars to Insure
• Best Car Insurance Companies
• Car Insurance Rates By States

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