Compare Honda Car Insurance Rates (2023)

Honda car insurance rates are around $135 monthly for full coverage car insurance. However, you could find lower Honda insurance costs if you compare car insurance rates by vehicle make and model and other factors, like age and driving profile. For example, 2023 Honda Civic insurance costs $154 a month, but you’ll only pay $113 for a 2023 Honda Fit.

We’ll overview Honda car insurance coverage options and give the best Honda car insurance savings tips to help you find a policy that fits your budget. Read on to learn how to find the best cheap Honda car insurance rates.

Honda Car Insurance Rates by Model

Hondas are typically affordable cars to insure, with an average monthly price of $135. However, the model you pick directly impacts your Honda insurance costs. Check below to see how much you might pay for insurance:

Finding cheap Honda car insurance quotes is 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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Things That Affect Honda Car Insurance Costs

The average Honda driver pays about $135 a month for full coverage, but several factors can affect your car insurance rates. Before you buy a car insurance policy, you should understand what companies look at when they set your rates, including:

• Location: Insurance companies carefully track who files claims, including by ZIP code. You can see various 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 young drivers car insurance.
• 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 single people because married drivers file fewer claims than single people. Moreover, most insurance companies offer a small discount for married couples. Learn about why do single people pay more for car insurance than married people.

Insurance companies evaluate the same factors when crafting rates but use unique formulas. It’s essential to look at multiple companies to find the best insurance rates for Honda vehicles.

Honda Car Insurance Savings Tips

While you can lower Honda insurance costs by decreasing coverage amounts and buying a cheap Honda model to insure, there are ways to lower your rates even more. To find the lowest rates, consider the following Honda car insurance savings tips:

• Park in a safe spot. Insurance companies want you to keep your car in a safe spot. Most insurance companies 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, consider companies with as many eligible discounts as possible.
• Telematics programs. Usage-based auto insurance programs offer low-mileage, safe drivers an easy way to save. Depending on your chosen program, 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. You could earn safety features car insurance discounts if you install these devices in your Honda.

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

Honda Car Insurance Coverage Options

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 could opt to buy the minimum car insurance required in your state. Minimum insurance is the least amount of coverage you can buy to drive legally. It doesn’t offer the same amount of coverage but costs much less than full coverage.

Insurance companies offer the same basic Honda car insurance coverage options, including 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 auto insurance coverage covers damage you cause to other people’s property, including cars and buildings. It doesn’t protect your vehicle.
• Collision: Collision car insurance covers your car after an accident, regardless of 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. Learn more about what is personal injury protection insurance.

Regardless of the Honda car insurance coverage options you choose, always compare rates with various companies. It’s especially important to compare rates if you want full coverage since rates tend to be much higher than minimum insurance.

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Final Word on the Best Honda Car Insurance Rates

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 make your insurance rates lower.

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

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