Compare Honda Element Car Insurance Rates [2023]
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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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |||
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.
Frequently Asked Questions
What is the average cost of car insurance for a Honda Element?
On average, car insurance rates for a Honda Element are around $1,124 per year or $94 per month.
Are Honda Elements expensive to insure?
Compared to other SUVs like the Acura MDX, Toyota Land Cruiser, and Volvo XC90, Honda Element insurance rates are generally affordable. However, rates can vary based on factors such as your location, driving record, and the specific trim and model of the vehicle.
What factors impact the cost of Honda Element insurance?
Several factors can influence the cost of Honda Element car insurance, including the age of the vehicle, the driver’s age, location, driving record, and safety features of the Honda Element.
How can I save on Honda Element insurance?
There are several ways to save on Honda Element insurance, such as:
- Maintain a clean driving record.
- Consider increasing your deductibles.
- Take advantage of available discounts, such as multi-policy or safe driver discounts.
- Install safety features in your Honda Element.
- Compare quotes from different insurance companies to find the best rates.
Is comprehensive coverage necessary for a financed Honda Element?
If you are financing a Honda Element, most lenders will require comprehensive coverage in addition to liability coverage. Comprehensive coverage protects against damages not caused by a collision, such as theft, vandalism, or natural disasters. It’s important to check with your lender to understand their specific insurance requirements for a financed vehicle.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.