Best Honda Ridgeline Insurance Rates [Comparison Guide]

Honda Ridgeline insurance costs are $123/mo or $1,472/yr, making Honda Ridgeline insurance around $47 less/yr than the average vehicle. Mature drivers with good driving records may find Honda Ridgeline insurance costs as low as $72.08/mo or $865/yr, while teenage drivers can expect to pay $$448/mo or $5,380/yr on Honda Ridgeline 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 $1,472 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 slightly less than the average with full coverage around $1,472 a year or $123 a month. Drivers of an older Honda Ridgeline may choose liability-only coverage for their vehicle which costs around $590 a year or $49 a month.

Good drivers can save up to $607 in policy discounts every year by practicing safe driving habits. We’re going to look at Honda Ridgeline insurance rates, safety ratings, and more.

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

Honda Ridgeline Insurance Cost

The average Honda Ridgeline car 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 Ford Ranger, Toyota Tundra, and Chevrolet Colorado.

Vehicle Comprehensive Collision Liability Total
Honda Ridgeline $306 $536 $450 $1,472
Ford Ranger $254 $470 $372 $1,254
Toyota Tundra $320 $512 $440 $1,452
Chevrolet Colorado $254 $438 $372 $1,222
Dodge Ram $362 $562 $420 $1,524
GMC Canyon $270 $478 $398 $1,304
GMC Sierra $336 $594 $372 $1,460
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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 Ridgeline Insurance?

The Honda Ridgeline trim and model you choose can impact the total price you will pay for Honda Ridgeline auto insurance coverage.

Age of the Vehicle

The average Honda Ridgeline car insurance rates are higher for newer models. For example, car insurance rates for a 2018 Honda Ridgeline are $1,472, while 2010 Honda Ridgeline rates 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
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Driver Age

Driver age can have a significant effect on Honda Ridgeline car insurance rates. For example, 20-year-old drivers pay $1,800 more for their Honda Ridgeline car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Honda Ridgeline insurance rates. For example, drivers in Los Angeles may pay $809 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on your Honda Ridgeline car insurance rates. Teens and drivers in their 20’s see the highest jump in their Honda Ridgeline car insurance with violations on their driving record.

Honda Ridgeline Safety Ratings

Your Honda Ridgeline car insurance rates are influenced by the safety ratings of the Honda Ridgeline. See the breakdown 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
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Honda Ridgeline Crash Test Ratings

The crash test ratings of the Honda Ridgeline can impact your Honda Ridgeline car 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
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Honda Ridgeline Safety Features

The more safety features you have on your Honda Ridgeline, the more likely it is that you can earn a discount. The Honda Ridgeline’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
  • Lane Departure Warning
  • Lane Keeping Assist

Honda Ridgeline Finance and Insurance Cost

If you are financing a Honda Ridgeline, most lenders will require your carry higher Honda Ridgeline coverage options including comprehensive coverage, so be sure to shop around and compare Honda Ridgeline car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Honda Ridgeline Insurance

There are many ways that you can save on Honda Ridgeline car insurance. Below are five actions you can take to find cheap Honda Ridgeline auto insurance rates.

  • Install an Aftermarket Anti-Theft Device for Your Honda Ridgeline
  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Tell Your Insurer About Different Drivers or Uses for Your Honda Ridgeline
  • Take Advantage of Referral Fees
  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan

Top Honda Ridgeline Insurance Companies

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