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Honda Car Insurance: Average Cost by Model, Coverage Options, and How to Save
Honda is one of the most popular car brands in the United States. From the fuel-efficient Civic to the family-friendly CR-V, Honda vehicles are known for reliability, safety, and strong resale value. Millions of Americans drive a Honda every day, and whether you just bought one or have owned yours for years, finding the right car insurance at the right price is an important part of your ownership experience.
The good news is that Honda vehicles are generally affordable to insure compared to many other brands. Their moderate repair costs, excellent safety ratings, and widespread parts availability all work in your favor. However, rates vary significantly depending on which Honda model you drive, your age, your driving record, and where you live.
In this guide, we cover Honda car insurance costs across every major model, explain what factors affect your rate, and share practical strategies to lower your premium. Whether you drive a brand new Accord Hybrid or a well-loved 2015 Civic, this page has the information you need.
How Much Does Honda Car Insurance Cost?
On average, full coverage car insurance for a Honda costs between $1,400 and $2,500 per year for a driver with a clean record. That works out to roughly $115 to $210 per month. Liability-only coverage is significantly less, typically running $60 to $100 per month in most states.
Honda vehicles tend to cost less to insure than the national average for all makes and models. According to multiple industry analyses, the average American pays about $2,500 to $2,700 per year for full coverage auto insurance. Most Honda models come in below that benchmark, making them a smart choice for budget-conscious drivers.
That said, costs vary widely depending on the specific model. A Honda Fit or Civic will cost considerably less to insure than a Civic Type R or the new Prologue electric SUV. Let us break down the costs model by model.
Honda Car Insurance Cost by Model
Here is how insurance costs compare across Honda’s most popular models. These estimates are based on a 35 to 45 year old driver with a clean record and full coverage:
| Honda Model | Est. Annual Full Coverage | Monthly Cost (Approx.) | Category |
|---|---|---|---|
| Honda Civic | $1,300 to $1,900 | $110 to $160 | Compact Sedan/Hatchback |
| Honda Civic Type R | $2,400 to $3,600 | $200 to $300 | Performance Hatchback |
| Honda Accord | $1,400 to $2,200 | $115 to $185 | Midsize Sedan |
| Honda Accord Hybrid | $1,500 to $2,400 | $125 to $200 | Hybrid Sedan |
| Honda CR-V | $1,400 to $2,100 | $115 to $175 | Compact SUV |
| Honda CR-V Hybrid | $1,500 to $2,300 | $125 to $190 | Hybrid SUV |
| Honda HR-V | $1,300 to $1,900 | $110 to $160 | Subcompact SUV |
| Honda Pilot | $1,600 to $2,400 | $135 to $200 | Midsize SUV |
| Honda Passport | $1,600 to $2,300 | $135 to $190 | Midsize SUV |
| Honda Odyssey | $1,300 to $1,800 | $110 to $150 | Minivan |
| Honda Ridgeline | $1,500 to $2,200 | $125 to $185 | Pickup Truck |
| Honda Prologue | $1,800 to $2,800 | $150 to $235 | Electric SUV |
The Honda Odyssey and HR-V tend to be among the cheapest Honda models to insure, while the Civic Type R and the new Prologue EV sit at the higher end. Performance variants and electric vehicles cost more because of higher purchase prices, specialized parts, and increased repair costs.
What Factors Affect Honda Car Insurance Rates?
Several key variables determine what you pay:
The Specific Model and Trim
A base Honda Civic LX costs less to insure than a Civic Type R because the Type R has a much higher sticker price, a more powerful engine, and performance-oriented components that are expensive to repair. Similarly, hybrid and electric Honda models tend to cost slightly more to insure than their gas-powered counterparts because of specialized battery systems and repair requirements.
Your Age and Driving Experience
Teen drivers pay the most. A teenager insuring a Honda Civic can expect to pay $4,000 to $6,000 per year for full coverage. By contrast, a 40 year old with a clean record might pay $1,400 to $1,900 for the same vehicle and coverage. Rates drop steadily through your 20s and reach their lowest between ages 30 and 65.
Your Driving Record
A clean record keeps your premium low. One at-fault accident can raise your rate by 30% to 50%, and a DUI can more than double it. Conversely, three or more clean years will qualify you for safe driver discounts with most carriers.
Where You Live
Your state and ZIP code are among the strongest pricing factors. Michigan drivers typically pay the most because of the state’s no-fault insurance system. Louisiana and Florida also tend to have higher rates. States like Maine, Idaho, and Vermont consistently rank among the cheapest for auto insurance.
Your Credit Score
In most states, insurers use credit-based insurance scores to set rates. Drivers with excellent credit pay significantly less than those with poor credit. California, Hawaii, Massachusetts, and Michigan limit or prohibit this practice.
Vehicle Age and Value
A brand new 2025 Honda CR-V costs more to insure than a 2016 model because of its higher replacement value. As your Honda ages and depreciates, your collision and comprehensive premiums should decline. This is one advantage of buying a used Honda rather than new.
Honda Safety Ratings and Theft Risk: How They Affect Your Insurance
Safety Ratings
Honda vehicles consistently earn strong safety ratings, which helps keep insurance premiums competitive. Multiple Honda models have earned IIHS Top Safety Pick or Top Safety Pick+ designations. NHTSA has awarded 5-star overall ratings to the Civic, Accord, CR-V, Pilot, and other models in recent years.
Standard Honda Sensing technology (included on most 2019 and newer Honda models) provides advanced safety features like collision mitigation braking, lane keeping assist, adaptive cruise control, and road departure mitigation. These features reduce accident frequency and severity, and many insurers offer explicit discounts for vehicles equipped with them.
Theft Risk
Honda vehicles, particularly the Civic and Accord, have historically appeared on lists of the most frequently stolen vehicles in the United States. The Honda Civic was among the top 10 most stolen cars in the NICB’s annual report for many years. The Honda CR-V has also seen rising theft numbers.
Theft rates can affect your comprehensive coverage premium. To help offset this risk and potentially lower your rate, consider parking in a garage or well-lit area, installing an aftermarket anti-theft device, and asking your insurer about comprehensive coverage discounts.
What Insurance Coverage Does Your Honda Need?
The right coverage depends on your Honda’s age, value, and how you use it. Here is a breakdown:
Liability Insurance (Required)
Liability pays for injuries and property damage you cause to others. Every state except New Hampshire requires it. Most experts recommend at least 100/300/100, even if your state’s minimums are lower.
Collision Coverage
Collision pays to repair or replace your Honda after an accident. If you are financing or leasing, your lender requires it. For older Hondas worth less than $5,000, weigh the annual cost of collision coverage against the vehicle’s value before deciding to keep it.
Comprehensive Coverage
Comprehensive covers theft, vandalism, hail, flooding, and animal strikes. Given Honda’s higher-than-average theft rates for some models, comprehensive coverage is especially worth considering even on older vehicles.
Uninsured and Underinsured Motorist Coverage
About 14% of U.S. drivers are uninsured. This coverage protects you if one of them hits your Honda. It is especially important in states with high uninsured motorist rates like Florida, Mississippi, and New Mexico.
Optional Coverages
- Gap Insurance: Recommended if you are financing a new Honda, especially in the first two to three years when depreciation is steepest.
- Rental Reimbursement: Pays for a rental car while your Honda is being repaired after a covered claim.
- Roadside Assistance: Covers towing, flat tires, lockouts, and jump starts. Useful especially for older vehicles.
- New Car Replacement: If your new Honda is totaled within the first year or two, this pays for a brand new replacement instead of the depreciated value.
Cheapest Insurance Companies for Honda Vehicles
Rates vary dramatically between carriers. Here are some of the most consistently affordable options for Honda owners:
| Insurance Company | Est. Monthly Full Coverage | Best For |
|---|---|---|
| USAA | $90 to $130 | Military families |
| GEICO | $100 to $145 | Clean record drivers |
| State Farm | $105 to $150 | Bundling discounts |
| Erie Insurance | $95 to $135 | Midwest/East Coast drivers |
| Nationwide | $110 to $155 | Multi-policy savings |
| Progressive | $115 to $160 | Young or high-risk drivers |
USAA consistently offers the lowest rates but is only available to military members, veterans, and their families. For the general public, GEICO and Erie Insurance frequently offer the most competitive pricing on Honda vehicles. The most important step is comparing quotes from at least three to five companies to find the best rate for your specific profile.
Honda Car Insurance Cost by State
Where you live has one of the biggest impacts on your Honda insurance rate. Here are estimated annual full coverage costs based on a Honda Civic or Accord in select states:
| State | Est. Annual Full Coverage | Key Factor |
|---|---|---|
| Michigan | $3,000 to $4,500 | No-fault, high PIP costs |
| Louisiana | $2,500 to $3,500 | High litigation rates |
| Florida | $2,200 to $3,000 | High uninsured rate, PIP |
| New York | $2,300 to $3,200 | Dense traffic, no-fault |
| Texas | $1,700 to $2,400 | Severe weather, large state |
| California | $1,800 to $2,500 | High traffic, no credit factor |
| Ohio | $1,200 to $1,600 | Lower cost of living |
| Idaho | $950 to $1,300 | Rural, low crime |
| Maine | $900 to $1,200 | Low population density |
10 Smart Ways to Save on Honda Car Insurance
- Compare Quotes from Multiple Companies. This is the single most effective strategy. Rates for the same Honda and driver can differ by $500 to $1,500 per year between carriers.
- Bundle Auto with Home or Renters Insurance. Multi-policy discounts of 5% to 25% are standard with most carriers.
- Maintain a Clean Driving Record. Three or more violation-free years unlock safe driver discounts that can save 10% to 20%.
- Raise Your Deductible. Moving from $500 to $1,000 lowers your premium by about 10% to 15%. On older Hondas, a $1,000 or $2,000 deductible often makes good financial sense.
- Ask About Honda Sensing Discounts. If your Honda has Honda Sensing technology, make sure your insurer knows. Many companies offer advanced safety feature discounts for collision mitigation, lane keeping, and adaptive cruise control.
- Install an Anti-Theft Device. Since some Honda models have higher theft rates, adding a visible deterrent or GPS tracker can qualify you for a comprehensive coverage discount.
- Take a Defensive Driving Course. Many states allow a 5% to 10% discount for completing an approved course.
- Consider Dropping Collision on Older Hondas. If your Honda is worth less than $5,000 and you own it outright, the annual collision premium may exceed the potential payout.
- Improve Your Credit Score. In states where credit affects rates, moving from fair to good credit can save 15% to 30%.
- Pay Your Premium in Full. Avoiding monthly installment fees saves $50 to $150 per year.
How Does Honda Insurance Compare to Other Brands?
Honda vehicles generally fall in an affordable middle ground for insurance. Here is how a typical Honda compares to similar vehicles from other popular brands:
| Brand / Model | Est. Annual Full Coverage | Relative to Honda |
|---|---|---|
| Honda Civic | $1,300 to $1,900 | Baseline |
| Toyota Corolla | $1,200 to $1,700 | Slightly Lower |
| Hyundai Elantra | $1,400 to $2,200 | Similar to Higher |
| Nissan Sentra | $1,400 to $1,950 | Similar |
| Honda CR-V | $1,400 to $2,100 | Baseline |
| Toyota RAV4 | $1,350 to $1,900 | Slightly Lower |
| Hyundai Tucson | $1,400 to $2,000 | Similar |
| Honda Accord | $1,400 to $2,200 | Baseline |
| Toyota Camry | $1,400 to $2,000 | Similar |
Honda and Toyota vehicles tend to be among the most affordable mainstream brands to insure. Hyundai and Kia models can be slightly more expensive due to recent theft vulnerability issues in certain model years. Luxury brands like BMW, Mercedes-Benz, and Audi cost significantly more to insure than any Honda model.
Frequently Asked Questions About Honda Car Insurance
No. Honda vehicles are generally affordable to insure compared to most other brands. Full coverage for a Honda Civic or CR-V typically costs $1,300 to $2,100 per year for a clean-record driver, which is below the national average. Performance models like the Civic Type R and newer electric vehicles like the Prologue cost more to insure, but the core Honda lineup remains budget-friendly.
The Honda Civic and Accord have been among the most frequently stolen vehicles in the U.S. for years. This is partly because of their popularity (more cars on the road means more targets) and partly because of high demand for their parts in the used parts market. Higher theft rates can increase your comprehensive coverage premium, though the effect is usually modest. Installing anti-theft devices and parking in secure locations can help you qualify for discounts.
It can. Honda Sensing includes forward collision warning, collision mitigation braking, lane keeping assist, and adaptive cruise control. Many insurers offer safety technology discounts for vehicles with these features. Make sure your insurance company knows your Honda is equipped with Honda Sensing when you request a quote, because not all carriers apply these discounts automatically.
It depends. If you are financing, your lender requires full coverage. If you own your Honda outright and it is worth less than $5,000, you may save money by dropping collision coverage and keeping only liability and comprehensive. The rule of thumb: if your annual collision premium approaches 10% or more of your Honda's current market value, the coverage may not be cost-effective.
Teenagers face the highest insurance rates for any vehicle. For a Honda Civic, a teen on their own policy can expect to pay $4,000 to $6,000 per year for full coverage. The most affordable approach is to add the teen to a parent's existing policy, pursue good student discounts (typically 10% to 15%), and complete a state-approved driver education course.
Find the Best Rate for Your Honda Today
Whether you drive a brand new Honda Pilot or a trusty 2015 Accord, finding affordable insurance starts with comparing quotes from multiple companies. A few minutes of shopping can save you hundreds per year.
At AtoZInsuranceUSA, we help Honda owners compare personalized quotes from multiple trusted carriers. Getting a quote is free, takes just a few minutes, and there is no obligation. Our team is here to help you find coverage that fits both your needs and your budget.
Get your free Honda car insurance quote today and see how much you could save.
Disclaimer: The information on this page is provided for general educational purposes and does not constitute insurance advice. Rates, coverage options, and availability vary by state, insurer, and individual circumstances. Cost estimates are based on publicly available industry data from multiple sources as of early 2026 and may not reflect your actual premium. Always consult a licensed insurance agent or carrier for quotes specific to your situation. AtoZ Insurance USA is not responsible for the accuracy of third-party data referenced on this page.