Compare Honda Car Insurance Rates (2023)

Honda is a brand known for combining reliability and safety with stylish design. Hondas are some of the most popular cars in America and frequently top the list of the most purchased vehicles in the country.

Along with its low price tags and excellent ratings, Hondas also tend to come with lower insurance rates. The average Honda driver pays only $139 a month for full coverage insurance, which is much less than many other brands.

Despite having low rates, there are additional ways to save on your Honda coverage. Read on to learn how to find cheap Honda auto insurance. Then compare rates with as many companies as possible to find the best policy.

How much is car insurance for a Honda?

The average Honda driver pays about $139 a month for full coverage, but several factors can affect your car insurance rates. Before you sign up for a car insurance policy, you should understand what companies look at when they craft your rates. These factors include:

• Location: Insurance companies carefully track who makes claims, including by ZIP code. You can see many different rates by moving even a single ZIP code over.
• Age and gender: Statistically, young drivers and men are more likely to cause accidents and file claims. They pay higher rates for car insurance, but the price difference lessens with age. Here are some tips on finding car insurance for young drivers.
• Model of your vehicle: You’ll see below that Honda insurance costs vary significantly by model. Generally speaking, expensive models cost more to insure.
• Driving history: Since car insurance companies check driving records, drivers with serious infractions on their records will pay more for car insurance, especially if they have speeding tickets, at-fault accidents, or DUIs.
• Credit score: Most states allow insurance companies to use your credit score when crafting rates. The higher your credit score, the less you’ll pay for car insurance.
• Marital status: Insurance rates are usually higher for singles than married couples because married drivers file fewer claims than single people. Moreover, most insurance companies offer a small discount for people who have tied the knot.

Insurance companies look at the same factors when crafting rates but use unique formulas. It’s essential to look at multiple companies to find the lowest rates for you.

Honda Car Insurance Rates by Model

Hondas are typically affordable cars to insure, with an average monthly price of $139. However, the model you pick will directly impact your insurance rates. Check below to see how much you might pay for insurance.

Finding cheap Honda car insurance is a little easier for some models than others. For example, the Honda Fit and CR-V have much lower rates than most other models. On the other hand, the Civic and the Accord hybrid are some of the most expensive.

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What types of coverage should you buy for a Honda?

The type of insurance you should buy for your Honda depends on a few things. You’ll likely need full coverage if you’ve recently purchased your car and have a loan or lease.

If your Honda is older and you own it outright, you might be able to buy the minimum car insurance required in your state. Minimum insurance is the least amount of coverage you can buy and still be legally able to drive. It doesn’t offer the same amount of coverage but costs much less than full coverage.

Insurance companies offer the same basic coverages, which include the following:

• Bodily injury liability: This half of liability insurance covers injuries you cause to other people in an at-fault accident. It also covers passengers in other cars and bystanders like pedestrians or bicyclists.
• Property damage liability: The other half of liability car insurance covers damage you cause to other people’s property, including cars and buildings. It does not protect your vehicle.
• Collision: Collision car insurance covers your car after an accident, no matter who was at fault. It also covers you if you hit a stationary object, like a light post.
• Comprehensive: There’s a lot more than car accidents that can damage your vehicle. Comprehensive car insurance covers damage from fires, floods, extreme weather, animal contact, theft, and vandalism.
• Personal injury protection/medical payments: Medical payments and personal injury protection insurance covers medical expenses for you and your passengers after an accident.

No matter what type of insurance you decide to buy, you should always compare rates with as many companies as possible. It’s especially important to compare rates if you want to buy full coverage since rates tend to be much higher than minimum insurance.

Tips to Save on Honda Car Insurance

Hondas typically come with lower rates, but there are ways to lower your rates even more. If you want to find the lowest rates for a Honda, try the following tips:

• Park in a safe spot. Insurance companies want you to keep your car in a safe spot. Most insurance companies will give you a small discount if you park in an enclosed garage or private driveway.
• Look for discounts. Insurance companies offer discounts to help their customers save money. When shopping for insurance, you should consider companies that offer as many discounts as possible that you can take advantage of.
• Telematics programs. Usage-based car insurance programs offer low-mileage, safe drivers an easy way to save. Depending on the program you choose, you can save up to 40%.
• Keep your record clean. You’ll pay less for your insurance if your driving record is clean. If you get a traffic citation, it’s important to avoid adding additional incidents to your record.
• Add security. Security systems like GPS tracking or audible alarms reduce your risk of theft. If you install them in your car, you’ll probably save money on your insurance.

Finding affordable insurance for a Honda is usually easier than most other brands. Hondas tend to have cheaper insurance rates because they are reliable cars with solid safety ratings.

Find the Best Honda Car Insurance Today

Hondas have a reputation for being safe and reliable, which helps keep their insurance rates low. Even though they tend to have low insurance rates, there are plenty of other ways to keep your insurance rates low.

From looking for discounts to enrolling in a telematics program, there are a lot of options to take advantage of to keep your insurance rates low. The best way to find the most affordable plan is to compare rates with as many companies as possible.

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