Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 21, 2020

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Things to Remember...

  • After you make your vehicle selection, you should be able to find a variety of auto insurance companies willing to offer you a great policy
  • The average cost to insure a Honda Accord is about $1,209 per year
  • Every Honda comes with standard safety features that most other newer vehicles have, like Emergency Stability Control
  • With a little research, you will have no problem finding affordable insurance for your Honda

Finding Honda auto insurance that won’t break the bank is very easy to do since the company has such a great reputation. After you make your vehicle selection,

After you make your vehicle selection, you should be able to find a variety of auto insurance companies willing to offer you a great policy.

Find out how you can get the best car insurance rates just by adding your ZIP code into the FREE quote tool!

Honda is one of the leading car manufacturers in the world and they continue to exceed expectations. Not only do they offer standard gas-powered vehicles, but they also design hybrid and electric cars too.

Take the Honda Fit EV for example, which is 100 percent electric and a favorite of the United States Department of Energy. This vehicle boasts an extraordinary 118 miles per gallon and can recharge in just over three hours.

Car insurance companies love fuel-efficient vehicles, which is why your search for low-cost auto insurance should be a breeze. Of course, this is not the only factor surrounding your rates, but it will definitely work in your favor.

Average Costs per Model

First, you need to have an idea of what the average cost per model looks like, this helps you decide whether you received a good quote or not.

There are approximately 10 main choices and they range from the Accord to the Ridgeline.

The Honda Accord has approximately 16 sub-models that also vary in price and feature. However, the average cost to insure a Honda Accord is about $1,209 per year.

The Honda Civic has at least 25 different sub-models. The annual rate to insure this car is $1,524.

Next, is the Honda CRV, with an average price of $1,124 per year, followed by the CR-Z at $1,328 per year. After the CRV is the Honda Fit in the base or sport model type.

The average auto insurance rate for this vehicle is only a dollar more than the CR-Z, coming in at $1,329 yearly.

The Honda Insight is a sporty coupe with average annual rates of $1,291 and the Odyssey, Honda’s mini-van is relatively low at $1,118 per year. Finally, the Honda Pilot and Ridgeline models cost approximately $1,284 and $1,276, respectively.

As you can see, none of these vehicles comes with an extraordinarily high annual auto insurance premium.

When you add your personal history such as your driving record and other factors, you should be able to receive comparable rates while enjoying a safe and secure vehicle.

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Exceptional Safety Features

Every Honda comes with standard safety features that most other newer vehicles have, like Emergency Stability Control.

According to Consumer Reports, every new car manufacturer that produces light-passenger vehicles must provide this safety feature by 2012.

However, the carmakers at Honda took their technology one-step further. They introduced a new element, called Vehicle Stability Assist, or VSA.

The way this works is by reducing engine power and braking capacity to assist the driver with over or under-steering conditions.

Many collisions occur when drivers lose control of the steering wheel. This happens most frequently when obstacles appear on the road or during poor weather conditions.

Driving in snow or on ice can cause any driver to slide. The natural reaction is to attempt to stabilize the vehicle.

Unfortunately, this leads to over-steering. Using VSA is a computerized way to set the car back on the correct track.

The team at Honda decided to combine ESC with VSA to produce superior handling, which protects the driver better.

In fact, the 2012 Honda models, like the Civic and Accord received the highest safety ratings by the Insurance Institute for Highway Safety, based on these advanced attributes.

Their crash test scores prove the dependability and reliability of Honda and this helps their owners receive fair and comparable auto insurance rates.

Most can choose the coverage levels they need without worrying about excessive premiums. Unlike other car owners who can only get good deals when they skimp on their selections.

Since car insurance companies rely on security as a protective measure, they tend to reward drivers who purchase safe vehicles.

If you own a Honda, your chances of receiving a low rate premium are high.

Of course, Honda has many more options to choose from, which cost a little more. However, even a basic model will protect you much better than many of the other brands on the road today.

When you speak to your auto insurance provider, make sure they have the most updated information regarding Honda’s reputation for safety.

If they do not mention their awards or recognition, make sure you let them know you have already done your homework. It will only benefit you more if you take the proactive approach.

Fewer Damage Claims

Because Hondas have such great crash avoidance technology, their owners generally file fewer claims. This is another positive aspect.

When you start looking for automobile insurance, the first question they ask is about the type of car you drive. In fact, the order is usually, year, make, and model.

Honda’s are top of the auto insurance company’s list when it comes to preferred vehicles. This gives you an extra advantage over other types.

Of course, the year of your car reveals more than the brand so it is advisable that you purchase a newer model.

The majority of Honda owners also tend to skip the damage claim process and pay for their own repairs. This is because of the availability of repair shops and the easy location of replacement parts.

Hondas are extremely popular vehicles, this makes finding certified mechanics simple.

Most do not report to the dealership for small issues, they can utilize the expertise of the hundreds of skilled laborers in their local area.

In the event that they do file a claim, the nature of the incident is serious, not frivolous.

Comprehensive claims have also dropped over the past five years, due to the advanced security measures they install in newer models.

This helps balance the previous statistics for older Hondas that continue to raise the eyebrows of car thieves. This is a major benefit.

Above Average Resale Value

One of the negative drawbacks you may encounter while shopping for auto insurance with your Honda is the resale value.

Under normal circumstances, most vehicles depreciate very quickly. Each year, they lose value and this helps with the cost of repairs if you need to file a damage claim.

Unfortunately, the Honda does stand up over time and this can cause your premium rates to remain a little higher.

This is particularly true with collision and liability coverage selections. You may want to keep your deductible relatively high for the first five years.

The good news is this can actually keep your rates low. Everyone knows higher deductibles often equal lower rates.

On the other hand, if you find yourself involved in an accident, the amount of out-of-pocket expenses can add up quickly.

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Theft is Still a Major Concern

According to the San Diego County District Attorney’s office, the Honda Accord is still popular among car thieves. As of 2010, they list six in the top 10.

They included the 1996 Honda Accord, 2000 Honda Civic, 1998 Honda Civic, 1995 Honda Civic, 1994 Honda Civic, and the 1997 Honda Accord.

This means you may receive a higher quote if you select comprehensive coverage. This level of protection is specific towards theft and vandalism.

To remain safe, you might need to choose higher limits. You should also consider the deductible as well.

Just as collision and liability require upfront payments, comprehensive does too.

However, there is also a bright side to this scenario, newer Hondas have great anti-theft devices and the number of thefts for the current models is extremely low.

If you own a model from 2006 or newer, the auto insurance company may cut you a break. They also have the most recent theft statistics and know that Hondas have come a long way in this arena.

Category Type Plays a Huge Role

When it comes to categories, most Hondas fit somewhere between small and mid-size and this helps many receive low-cost auto insurance.

However, Honda also manufactures the Acura and this is a luxury vehicle.

You need to understand how your car insurance company views your car. This will keep your expectations realistic.

Although some Acura models are the same size as the Honda Accord, they have certain features that elevate them above a standard Honda. For this reason, you may want to reconsider your purchase.

If you have your heart set on the Acura, the best step is to ensure that your vehicle has as many positive attributes as possible.

Do not settle for standard safety features, spend the extra money and obtain all of the optional ones too. This will show the auto insurance company that you have a responsible mindset.

In addition to the safety options, you should have a secure parking facility. If you do not own a home with an attached garage, try to locate a safe area where they provide 24-hour monitoring.

Remember, one of the questions they ask pertains to overnight parking. This is for risk purposes. Car owners who park on the street receive higher auto insurance rates than those who have private parking.

Of course, this also applies to the Honda models, but since the Acura has a higher value and a top-rated category, it is worth spending the extra money to ensure optimal safekeeping.

With a little research, you will have no problem finding affordable insurance for your Honda.

Once you have accomplished this you can rest assured while you drive around that you are covered for whatever the road throws at you.

Click here to determine the best car insurance rates for your vehicle when you enter your ZIP code into the FREE quote tool!