How Much is Insurance for a Honda Element?

Auto insurance rates for a Honda Element average $1,124 a year, or around $94 a month. Good drivers can save as much as $1,733 a year over higher risk drivers.

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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: Jun 22, 2020

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Key Takeaways:

  • Full coverage costs around $1,124 a year or $94 each month
  • A liability-only policy costs around $450 a year or $38 each month
  • Highest rates are for teenage drivers at around $4,108 a year or $342 each month
  • Good drivers can save as much as $463 a year by earning policy discounts
  • Honda Element insurance costs around $395 less per year than the average vehicle

Honda Element car insurance rates are determined by a number of factors, such as the age of the driver. Teenagers have the highest Honda Element insurance rates at $4,108 a year, or $342 every month.

But good drivers can save up to $463 a year on Honda Element rates by earning policy discounts. Learn everything you need to know about securing a good Honda Element policy in this easy-to-follow guide.

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

Honda Element Insurance Cost

The average Honda Element auto insurance rates are $1,124 a year or $94 a month.

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Are Honda Elements Expensive to Insure?

The chart below details how Honda Element insurance rates compare to other SUVs like the Acura MDX, Toyota Land Cruiser, and Volvo XC90.

Vehicle Comprehensive Collision Liability Total
Acura MDX $376 $562 $372 $1,468
Toyota Land Cruiser $420 $774 $398 $1,750
Volvo XC90 $346 $600 $390 $1,494
Chevrolet Suburban $336 $532 $372 $1,398
Volkswagen Tiguan $306 $542 $332 $1,316
Hyundai Santa Fe $294 $562 $372 $1,386
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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 Element Insurance?

The Honda Element trim and model you choose can impact the total price you will pay for Honda Element car insurance coverage.

Age of the Vehicle

The average Honda Element car insurance rates are higher for newer models. For example, car insurance for a 2011 Honda Element costs $1,124, while 2010 Honda Element insurance costs are $1,104, a difference of $20.

Model Year Comprehensive Collision Liability Total
2011 Honda Element $196 $310 $460 $1,124
2010 Honda Element $190 $292 $464 $1,104
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Driver Age

Driver age can have a significant impact on Honda Element auto insurance rates. As an example, a 40-year-old driver could pay $119 less each month for their Honda Element auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Honda Element insurance rates. For example, drivers in Los Angeles may pay $161 a year more than drivers in Houston.

Your Driving Record

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

Honda Element Safety Ratings

Your Honda Element car insurance rates are influenced by the safety ratings of the Honda Element. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
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 Element Crash Test Ratings

Good Honda Element crash test ratings mean the VW is safer, which could mean cheaper Honda Element car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Honda Element N/R N/R N/R 3 Stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Honda Element Safety Features

The more safety features you have on your Honda Element, the more likely it is that you can earn a discount. The Honda Element’s safety features include:

  • 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

Honda Element Finance and Insurance Cost

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

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Ways to Save on Honda Element Insurance

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

  • Ask About Discounts for People with Disabilities
  • Use an Accurate Job Title When Requesting Honda Element Auto Insurance
  • Ask About Honda Element Low Mileage Discounts
  • Install an Aftermarket Anti-Theft Device for Your Honda Element
  • Ask About Student Discounts

Top Honda Element Insurance Companies

Several insurance companies offer competitive rates for the Honda Element based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Honda Element drivers organized by market share.

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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Compare Free Honda Element Insurance Quotes Online

You can start comparing quotes for Honda Element insurance from some of the top car insurance companies by using our free online tool today.

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Average Monthly Car Insurance Rates by State