Compare Honda Element Insurance Rates [Coverage Guide]

Honda Element insurance costs $94/mo or $1,124/yr, while teenage drivers will pay $342/mo or $4,108/yr on Honda Element insurance costs. On average, Honda Element comprehensive insurance costs $22.83/mo or $274/yr, collision insurance costs $33.33/mo or $400/yr, and liability insurance costs $26.42/mo or $317/yr. Enter your ZIP code below to see how much you can save on your Honda Element auto insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 actually cheaper than the average vehicle in the U.S., coming in at around $395 less than the average. Full coverage costs about $1,124 a year or $94 a month, though older cars might get away with liability-only. Liability-only insurance is only $450 a year or $38 a month, but you must own your car outright, and it’s usually not recommended for newer vehicles.

But even if you have a newer car with full coverage, good drivers are eligible for up to $463 a year by being a safe driver. We’re going to 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 car insurance costs 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 GMC Acadia, Honda Passport, and Toyota 4Runner.

Vehicle Comprehensive Collision Liability Total
GMC Acadia $294 $470 $372 $1,294
Honda Passport $362 $656 $316 $1,470
Toyota 4Runner $332 $512 $332 $1,312
Kia Sorento $322 $562 $372 $1,414
Jeep Grand Cherokee $322 $562 $372 $1,414
Audi Q7 $394 $714 $398 $1,664
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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 can impact 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 rates for a 2011 Honda Element are $1,124, while 2010 Honda Element rates 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 Honda Element auto insurance rates. As an example, a 40-year-old driver could pay $119 less each month for their Honda Element auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Honda Element insurance rates. For example, drivers in Los Angeles may pay $416 a year more than drivers in Philadelphia.

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 auto insurance rates with violations on their driving record.

Honda Element Safety Ratings

Your Honda Element auto insurance rates are influenced by the Honda Element’s safety ratings. See the breakdown below:

Test Type Rating
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

Poor Honda Element crash test ratings could mean higher Honda Element car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Honda Element NR NR NR 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 play a vital role in keeping passengers safe in crashes, but they can also help lower your Honda Element auto insurance rates. The Honda Element’s safety features 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

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 several ways you can save even more on your Honda Element car insurance rates. Take a look at the following five tips:

  • Ask About Honda Element Discounts If You Were Listed on Someone Else’s Policy
  • Understand the Different Types of Auto Insurance for Your Honda Element
  • Get Married and Ask for a Discount
  • Spy on Your Teen Driver
  • Ask About Seasonal Insurance for Your Honda Element

Top Honda Element Insurance Companies

Who is the top auto 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 car insurance rates from some of the best car insurance companies by using our free online tool now.

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