Honda Ridgeline Insurance [List of Money Saving Tips]

The cost of Honda Ridgeline auto insurance rates are $1,472 a year, or around $123 a month on average. Finding Honda Ridgeline teenager insurance rates can cost on average $5,380 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 17, 2020

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Key takeaways:

  • Full coverage costs around $1,472 a year or $123 each month
  • A liability-only policy costs around $590 a year or $49 each month
  • Highest rates are for teenage drivers at around $5,380 a year or $448 each month
  • Good drivers can save as much as $607 a year by earning policy discounts
  • Honda Ridgeline insurance costs around $47 less per year than the average vehicle

Honda Ridgeline insurance rates average $1,472 a year or $123 a month for full coverage. Good drivers can save up to $607 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at Honda Ridgeline insurance rates, safety ratings, and more.

You can start comparing quotes for Honda Ridgeline car insurance rates from some of the best car insurance companies by using our free online tool now.

Honda Ridgeline Insurance Cost

The average Honda Ridgeline car insurance rates are $1,472 a year or $123 a month.

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Are Honda Ridgelines Expensive to Insure?

The chart below details how Honda Ridgeline insurance rates compare to other trucks like the Toyota Tundra, GMC Sierra, and GMC Sierra 3500HD.

Vehicle Comprehensive Collision Liability Total
Honda Ridgeline $306 $536 $450 $1,472
Toyota Tundra $320 $512 $440 $1,452
GMC Sierra $336 $594 $372 $1,460
GMC Sierra 3500HD $376 $656 $420 $1,632
Dodge Ram $362 $562 $420 $1,524
Chevrolet Silverado $322 $562 $420 $1,484
GMC Canyon $270 $478 $398 $1,304
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However, there are a few things you can do to find the cheapest Honda insurance rates online.

What Impacts the Cost of Honda Ridgeline Insurance?

The Honda Ridgeline trim and model you choose will affect the total price you will pay for Honda Ridgeline insurance coverage.

Age of the Vehicle

The average Honda Ridgeline car insurance rates are higher for newer models. For example, car insurance rates for a 2018 Honda Ridgeline are $1,472, while 2010 Honda Ridgeline rates are $1,248, a difference of $224.

Model Year Comprehensive Collision Liability Total
2018 Honda Ridgeline $306 $536 $450 $1,472
2017 Honda Ridgeline $296 $524 $470 $1,470
2016 Honda Ridgeline $286 $502 $486 $1,454
2014 Honda Ridgeline $260 $450 $510 $1,400
2013 Honda Ridgeline $250 $424 $514 $1,368
2012 Honda Ridgeline $240 $380 $520 $1,320
2011 Honda Ridgeline $224 $350 $520 $1,274
2010 Honda Ridgeline $216 $328 $524 $1,248
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Driver Age

Driver age can have a significant impact on Honda Ridgeline auto insurance rates. For instance, a 30-year-old driver may pay $65 more each year for Honda Ridgeline auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Honda Ridgeline insurance rates. For example, drivers in Phoenix may pay $809 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Honda Ridgeline car insurance. Teens and drivers in their 20’s see the highest jump in their Honda Ridgeline auto insurance rates with violations on their driving record.

Honda Ridgeline Safety Ratings

Your Honda Ridgeline auto insurance rates are influenced by the Honda Ridgeline’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Acceptable
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Honda Ridgeline Crash Test Ratings

Honda Ridgeline crash test ratings can impact the cost of your Honda Ridgeline car insurance. See Honda Ridgeline crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2019 Honda Ridgeline PU/CC FWD 5 stars 5 stars 5 stars 4 stars
2019 Honda Ridgeline PU/CC AWD 5 stars 5 stars 5 stars 4 stars
2018 Honda Ridgeline PU/CC FWD 5 stars 5 stars 5 stars 4 stars
2018 Honda Ridgeline PU/CC AWD 5 stars 5 stars 5 stars 4 stars
2017 Honda Ridgeline PU/CC FWD 5 stars 5 stars 5 stars 4 stars
2017 Honda Ridgeline PU/CC AWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Honda Ridgeline Safety Features

Good Honda Ridgeline safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Honda Ridgeline are:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Honda Ridgeline Finance and Insurance Cost

If you are financing a Honda Ridgeline, most lenders will require your carry higher Honda Ridgeline coverage options including comprehensive coverage, so be sure to shop around and compare Honda Ridgeline car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Honda Ridgeline Insurance

Although it may seem like your Honda Ridgeline car insurance rates are set, there are a few measures that you can take to secure the best Honda Ridgeline car insurance rates possible. Take a look at the following five ways to save on Honda Ridgeline auto insurance.

  • Buy Winter Tires for Your Honda Ridgeline
  • Drive Your Honda Ridgeline Safely
  • Ask for a Honda Ridgeline Discount If You Have College Degree or Higher
  • Remove Young Drivers from Your Honda Ridgeline Insurance Plan
  • Move to an Area with Better Weather

Top Honda Ridgeline Insurance Companies

Who is the top car insurance company for Honda Ridgeline insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Honda Ridgeline auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Honda Ridgeline offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Save money by comparing Honda Ridgeline insurance rates with free quotes online now!

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