Best Honda Element Insurance Rates [How to Find Low Rates Online]

Average Honda Element car insurance rates cost $1,124 a year, or around $94 a month. Finding Honda Element teenager insurance rates can cost on average $4,108 a year, so shop around to find cheap coverage.

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 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 insurance rates are quite a bit less than the average vehicle, in part because the last new Honda Element was produced in 2011. Full coverage costs around $1,124 a year or $94 a month. An older car may only need liability coverage which is $450 a year or $38 a month.

Good drivers can be eligible for up to $463 a year for practicing safe driving habits. Let’s look at Honda Element insurance rates, safety features, and more.

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 Mercedes-Benz GLC 300, Dodge Journey, and Volkswagen Atlas.

Vehicle Comprehensive Collision Liability Total
Mercedes-Benz GLC 300 $412 $810 $390 $1,770
Dodge Journey $322 $532 $372 $1,384
Volkswagen Atlas $358 $690 $390 $1,596
Hyundai Santa Fe $294 $562 $372 $1,386
Acura MDX $376 $562 $372 $1,468
Nissan Pathfinder $294 $452 $390 $1,294
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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 will affect the total price you will pay for Honda Element insurance coverage.

Age of the Vehicle

Older Honda Element models generally cost less to insure. For example, auto 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 the cost of Honda Element auto insurance. For example, 20-year-old drivers pay as much as $1,424 more each year for their Honda Element auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Honda Element insurance rates. For example, drivers in Los Angeles may pay $618 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on the cost of Honda Element auto insurance. 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 Not Tested
Small overlap front: passenger-side Not Tested
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

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

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

The Honda Element safety features can help lower insurance costs. According to AutoBlog, the 2020 Honda Element has the following safety features:

  • 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, you will pay more if you purchase Honda Element car insurance at the dealership, 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

There are many ways that you can save on Honda Element car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Honda Element car insurance rates low.

  • Drive Your Honda Element Safely
  • Understand that Insurance Companies Can’t Change Your Honda Element Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Install an Aftermarket Anti-Theft Device for Your Honda Element
  • Consider Renting a Car Instead of Buying a Second Honda Element
  • Ask About Honda Element Safety Discounts

Top Honda Element Insurance Companies

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

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

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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