How Much is Insurance for a Honda Ridgeline?
Average Honda Ridgeline auto insurance rates cost $123 per month ($1,472 per year). Shop around to find cheap Honda Ridgeline insurance rates. On average, Honda Ridgeline comprehensive insurance coverage costs $359, collision coverage costs $523, and liability coverage costs $415.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Jun 18, 2020
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Key takeaways:
- Full coverage costs around $1,472 a year or $123 each month
- A liability-only policy costs around $590 a year or $49 each month
- Highest rates are for teenage drivers at around $5,380 a year or $448 each month
- Good drivers can save as much as $607 a year by earning policy discounts
- Honda Ridgeline insurance costs around $47 less per year than the average vehicle
Honda Ridgeline insurance rates are $123 per month or $1,472 per year for full coverage, while liability-only coverage costs $49 per month. With policy discounts, you can save up to $607 on Honda Ridgeline insurance rates. Learn more in our vehicle guide below.
You can start comparing quotes for Honda Ridgeline auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
Honda Ridgeline Insurance Cost
The average Honda Ridgeline auto insurance costs are $1,472 a year or $123 a month.
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Are Honda Ridgelines Expensive to Insure?
The chart below details how Honda Ridgeline insurance rates compare to other trucks like the Dodge Ram, Chevrolet Silverado 3500HD, and Chevrolet Silverado.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| Dodge Ram | $362 | $562 | $420 | $1,524 |
| Chevrolet Silverado 3500HD | $404 | $656 | $420 | $1,660 |
| Chevrolet Silverado | $322 | $562 | $420 | $1,484 |
| Ford F-150 | $322 | $470 | $372 | $1,322 |
| Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| GMC Canyon | $270 | $478 | $398 | $1,304 |
However, there are a few things you can do to find the cheapest Honda insurance rates online.
What Impacts the Cost of Honda Ridgeline Insurance?
The Honda Ridgeline trim and model you choose can impact the total price you will pay for Honda Ridgeline insurance coverage.
Age of the Vehicle
The average Honda Ridgeline auto insurance rates are higher for newer models. For example, auto insurance for a 2018 Honda Ridgeline costs $1,472, while 2010 Honda Ridgeline insurance costs are $1,248, a difference of $224.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| 2017 Honda Ridgeline | $296 | $524 | $470 | $1,470 |
| 2016 Honda Ridgeline | $286 | $502 | $486 | $1,454 |
| 2014 Honda Ridgeline | $260 | $450 | $510 | $1,400 |
| 2013 Honda Ridgeline | $250 | $424 | $514 | $1,368 |
| 2012 Honda Ridgeline | $240 | $380 | $520 | $1,320 |
| 2011 Honda Ridgeline | $224 | $350 | $520 | $1,274 |
| 2010 Honda Ridgeline | $216 | $328 | $524 | $1,248 |
Driver Age
Driver age can have a significant impact on Honda Ridgeline auto insurance rates. For instance, a 30-year-old driver may pay $65 more each year for Honda Ridgeline auto insurance than a 40-year-old driver.
Driver Location
Where you live can have a large impact on Honda Ridgeline insurance rates. For example, drivers in New York may pay $383 a year more than drivers in Chicago.
Your Driving Record
Your driving record can have an impact on your Honda Ridgeline auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Honda Ridgeline auto insurance with violations on their driving record.
Honda Ridgeline Safety Ratings
The Honda Ridgeline’s safety ratings will affect your Honda Ridgeline auto insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Acceptable |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Honda Ridgeline Crash Test Ratings
Not only do good Honda Ridgeline crash test ratings mean you are better protected in a crash, but good Honda Ridgeline crash ratings also mean cheaper insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2019 Honda Ridgeline PU/CC FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Honda Ridgeline PU/CC AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Honda Ridgeline PU/CC FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Honda Ridgeline PU/CC AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Honda Ridgeline PU/CC FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Honda Ridgeline PU/CC AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Honda Ridgeline Safety Features
Honda Ridgeline safety features can lower the cost of your insurance. The safety features for the 2020 Honda Ridgeline 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
- Lane Departure Warning
- Lane Keeping Assist
Honda Ridgeline Finance and Insurance Cost
If you are financing a Honda Ridgeline, you will pay more if you purchase Honda Ridgeline auto insurance at the dealership, so be sure to shop around and compare Honda Ridgeline auto insurance quotes from the best companies using our FREE tool below.
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5 Ways to Save on Honda Ridgeline Insurance
There are many ways that you can save on Honda Ridgeline auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your Honda Ridgeline auto insurance rates low.
- Wait Six Years for Accidents to Disappear from Your Record
- Tell Your Insurer About Different Drivers or Uses for Your Honda Ridgeline
- Compare Honda Ridgeline Insurance Rates Online
- Ask About Welcome Discounts
- Spy on Your Teen Driver
Top Honda Ridgeline Insurance Companies
Several top auto insurance companies offer competitive rates for the Honda Ridgeline insurance rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Honda Ridgeline 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 Ridgeline Insurance Quotes Online
You can start comparing quotes for Honda Ridgeline insurance rates from some of the top auto insurance companies by using our free online tool today.