Cheap Honda Auto Insurance in 2025 (Save Big With These 8 Companies!)

Erie has the lowest rates for cheap Honda auto insurance, as well as Geico and State Farm. While companies consider various factors that affect auto insurance rates for your Honda, like vehicle model and driving profile, these companies will have the most affordable rates on average.

Shopping at the cheapest Honda auto insurance companies will help you save no matter what model of Honda you own.

Our Top 8 Company Picks: Cheap Honda Auto Insurance

If you aren’t sure where to start, read on for a list of the best companies for Honda owners.

You can also use our free tool to compare Honda auto insurance quotes and get the best deal on your Honda insurance coverage.

#1 – Erie: Top Pick Overall

Pros

• Personalized policies: Erie makes it easy to personalize policies to meet the individual needs of Honda owners.
• Rate lock: Erie’s rate lock helps keep rates affordable (learn more about its rates in our review of Erie auto insurance).
• Roadside assistance: Erie offers roadside assistance as a coverage option, which is great for Honda breakdowns.

Cons

• Not widely available: Erie auto insurance is only sold in 12 states.
• App glitches: Erie’s mobile insurance app has poor reviews on Google and Apple.

#2 – Geico: Best for Online Convenience

Pros

• Online convenience: Geico’s mobile app is well-rated and makes it easy to manage policies online.
• Multiple discounts: Geico auto insurance discounts offer great saving opportunities for Honda owners.
• Financial stability: Geico has high ratings for financial health, which you can learn more about in our Geico review.

Cons

• No gap insurance: If you own a new Honda, you won’t be able to get gap insurance from Geico.
• Virtual communication: Geico’s customer service is primarily over the phone, as there are few local agents.

#3 – State Farm: Best for Agency Network

Pros

• Agency network: Local State Farm agents are widely available, so Honda owners can easily get in-person help.
• Add-on coverages: State Farm offers rental car insurance and more, which you can learn about in our State Farm review.
• App is well-rated: State Farm’s mobile app has high ratings and makes policy management easy.

Cons

• Agent purchases: State Farm requires the final purchase after getting a quote to be through a State Farm agent.
• High rates for some demographics: State Farm may not have the cheapest rates if Honda drivers have poor credit scores or are young drivers.

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#4 – Travelers: Best for IntelliDrive Program

Pros

• IntelliDrive program: Traveler’s UBI program can help Honda drivers save on their insurance rates (read more: Travelers IntelliDrive App Review).
• Accident forgiveness: Travelers accident forgiveness program helps safe drivers avoid rate increases after an at-fault accident.
• Bundling discount: If Honda owners also purchase a home or renters policy, they can earn a bundling discount. Read more about Travelers discounts in our Travelers review.

Cons

• Not sold in some states: Travelers auto insurance isn’t available in a few states.
• Negative claim reviews: J.D. Power’s rating for customer claims satisfaction wasn’t high for Travelers.

#5 – Progressive: Best for Budget Shopping

Pros

• Budget shopping: Progressive’s Name Your Price tool helps customers determine how much coverage they can afford at their set price.
• Collision insurance perks: Honda owners with collision insurance also get pet insurance coverage if their pet is injured in an accident.
• Accident forgiveness: Progressive offer accident forrgivenss to help drivers avoid rate increasees.

Cons

• UBI program can raise rates: Unsafe drivers who score poorly with Snapshot may see rate increases. Read our Progressive Snapshot review for more information.
• Claims satisfaction: J.D. Power gave Progressive a slightly lower than average rating for claims satisfaction (learn more in our Progressive review).

#6 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing deductible: Safe drivers will see a decrease in their deductible overtime at Nationwide.
• Customized policies: Honda owners have plenty of coverages to purchase (learn more in our Nationwide review).
• Accident forgiveness: Drivers’ first at-fault accident will be forgiven at Nationwide.

Cons

• Not in all 50 states: Nationwide auto insurance is currently sold in 47 states.
• Higher rates for DUI drivers: While Nationwide is economical for most high-risk drivers, DUI drivers may wish to shop elsewhere.

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#7 – American Family: Best for Costco Members

Pros

• Costco members: Honda drivers who are also Costco members can score deals when purchasing American Family insurance through Costco.
• Add-on coverages: American Family offers personalized policy options with its coverages, which you can learn more about in our American Family review.
• Discount options: American Family offers good driver discounts, bundling discounts, and much more.

Cons

• Not widely available: American Family is currently only available in 19 states.
• Claims processing: Some customers gave American Family’s claims service negative reviews.

#8 – Farmers: Best for Family Plans

Pros

• Family plans: Farmers is great for families looking to insure multiple drivers or multiple cars on one policy.
• Bundling discounts: Farmers offers bundling discounts to drivers who purchase home or renters insurance in addition to car insurance.
• Well-rated app: Farmers auto insurance app makes it easy to manage policies.

Cons

• Customer service: Some customers gave Farmers’ customer service poor ratings.
• Rates may be higher: Some demographics, like teen drivers, won’t find the cheapest rates at Farmers. You can learn more about Farmers’ rates in our Farmers review.

Comparing Honda Auto Insurance Rates

Companies use different methods to set Honda auto insurance rates, meaning you’ll see different quotes depending on the issuer. So, shopping around and comparing average Honda insurance premiums is important.

This table compares average full coverage Honda insurance costs by model:

Honda Auto Insurance Monthly Rates by Model & Coverage Level

As you compare Honda auto insurance rates, pay close attention to coverage types, limits, costs, and Honda insurance discounts. Below, you can see how rates compare for different coverage types at the cheapest companies. 

Honda Auto Insurance Monthly Rates by Provider & Coverage Level

One company may offer affordable Honda car insurance for less than the other’s minimum coverage.

Read more:

• Honda Accord Auto Insurance
• Honda CR-V Auto Insurance
• Honda Fit Auto Insurance
• Honda HR-V Auto Insurance
• Honda Passport Auto Insurance

Compare the Auto Insurance Costs Across Honda Models

Exploring the varying costs of auto insurance among Honda models reveals intriguing insights into the diverse factors influencing premiums across vehicles.

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How to Lower Honda Auto Insurance Rates

If you find that auto insurance for your Honda is higher than what you’d like to pay, there are a few ways to lower your premium:

• Increase your credit score: You might wonder how credit scores affect auto insurance rates. A high credit score signals to the insurance company that you’re a safe driver. So, you’ll enjoy lower Honda auto insurance rates if you have good credit.
• Ask for discounts: Check with your company about available Honda auto insurance discounts to confirm which you qualify for and how much it can lower your rates.
• Bundle insurance policies: You can save money by bundling insurance policies if you plan to purchase multiple types of insurance through the same insurance company.
• Update or adjust your coverage: If you’re moving, getting married, or adding a driver to your auto insurance, you can update or adjust Honda insurance coverage to lower your rates. 
• Keep a clean driving record: Avoiding speeding tickets, accidents, or other traffic violations will keep your rates as low as possible. If you have a few points on your license, compare auto insurance for drivers with a bad driving record to get affordable Honda car insurance rates.

It’s possible to be torn between two auto insurance companies, especially if Honda auto insurance quotes are competitive. Make sure to check discounts at companies to see which offers the most savings. 

You should also consider these factors when choosing between two or more insurance companies:

• Available coverage: Does the company offer the Honda insurance coverage you need? Are there additional coverages available, such as vanishing deductible or accident forgiveness?
• Customer reviews: What do current customers have to say about the insurance company, specifically the customer service and claims process?

Ultimately, when choosing an auto insurance company, you must consider your needs. While your Honda auto insurance quotes may be a significant factor, you should prioritize how much coverage you need. In the event of an accident, the right amount of Honda insurance coverage helps you avoid expensive out-of-pocket costs.

Types of Honda Auto Insurance Coverage

Whether you need Honda Civic insurance, or coverage for your Accord, Odyssey, or other model, all Honda drivers have their pick between standard and optional insurance coverage. You must carry your state’s minimum auto insurance requirements, but anything beyond that is your choice.

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When it comes to standard Honda insurance coverage, liability auto insurance is the minimum. It includes two coverages: property damage and bodily injury liability auto insurance.

If you’re responsible for an accident, your liability policy covers the expenses for property damage and bodily injury you cause to the other individuals involved. However, this leaves you to pick up the bill for what isn’t covered.

Here’s what liability insurance for your Honda doesn’t cover:

• Expenses beyond your policy limit: Liability insurance only covers up to a certain amount, so you’re responsible for anything beyond that limit.
• Property damage to your vehicle: Liability only covers property damage for the other vehicle, so you’ll pay for your vehicle’s repair or replacement.
• Medical bills: Liability only covers the other party’s medical expenses, so you’ll pay for your own medical bills.

If you want protection beyond liability insurance, consider comprehensive and collision insurance:

• Comprehensive: Comprehensive auto insurance covers expenses for property damage resulting from extreme weather, fire, vandalism, theft, and collision with an animal. 
• Collision: Collision auto insurance covers property damage expenses following a collision with an object or vehicle. 

Read our guide to compare collision vs. comprehensive auto insurance and learn more about these Honda insurance coverages. Both policies come with an auto insurance deductible — the amount you pay before insurance covers any damages — which is often between $100 and $1,000 at the cheapest Honda companies. 

It may not be ideal to pay a deductible, but by adding comprehensive and collision to your policy, you can ensure your vehicle repairs have coverage. Further, you’ll get a payout equal to your car’s value if your vehicle gets totaled minus the deductible.

Determining the Right Honda Auto Insurance Coverages for You

You might be wondering, “How much car insurance do I need?” Sometimes, the state minimum isn’t enough, but not all drivers need additional coverage. If you choose to stick with the state minimum required insurance, you’re on the hook for anything your insurance doesn’t cover if you cause an accident. 

Rather than stress about potential out-of-pocket expenses, take the necessary steps to ensure you have the right Honda car insurance coverages.

Consider the following when determining which Honda insurance coverages are right for you:

• Location: Your state dictates the minimum amount of insurance coverage you must have. 
• Car value: New and higher-value Hondas cost more to repair. Having coverage to pay for these repairs can save you money after a claim but will raise your Honda auto insurance rates.
• Cost of insurance: The more Honda car insurance coverage you have, the higher your premium will be. 
• Ownership: Drivers who own or lease their Honda may be required to carry full coverage, often including liability, comprehensive, collision, and gap insurance. 

Even if you start with the minimum amount of coverage for your Honda, most auto insurance companies allow customers to update or adjust coverage at any time. 

Finding Affordable Honda Auto Insurance Rates

Drivers can get cheap auto insurance rates for their Honda. However, there are various other factors influencing Honda insurance premiums besides vehicle type.

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Since nearly all states have a minimum liability auto insurance requirement, how much Honda car insurance your state requires will affect rates. However, you should consider additional coverages, like Honda full coverage insurance, to protect yourself further.

If you want the best Honda auto insurance quotes, shop around and compare Honda auto insurance rates from different auto insurance companies using our free tool. 

Free Auto Insurance Comparison

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