Honda is one of the largest automobile manufacturers in the world. Its cars, trucks, and vans have a long reputation for quality and longevity, with a variety of models to suit every taste. Fortunately, car insurance for Hondas tends to be very affordable, which can help Honda drivers access the extra layer of protection their vehicles need against liability, collisions, and other threats.
A local independent insurance agent can help you compare Honda insurance quotes from multiple carriers near you. They know where to find the best Honda insurance rates and coverage options. But first, use our guide to Honda insurance to learn how much you can expect to pay to insure your vehicle, which types of coverage you need, and more.
Key Takeaways - Honda Car Insurance
Honda insurance costs an average of $1,661 per year, or approximately $138 per month, for full coverage.
Honda insurance is an auto insurance policy that can include many different types of coverage, such as liability, collision, comprehensive, roadside assistance, and medical payments.
Honda auto insurance rates are slightly lower than the national average cost of $1,759 per year, or approximately $147 per month.
The Honda Civic is the most expensive model to insure of those we compared, costing an average of $1,708 per year, or approximately $142 per month, for full coverage.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Honda model.
What Is Honda Insurance?
Honda insurance is a specific type of car insurance policy that comes with several types of coverage to protect your Honda vehicle. Your Honda insurance program will likely include liability, collision, and theft coverage, but you may want to expand your policy to include medical payments, roadside assistance, and other types of coverage. The more you add to your Honda insurance policy, the stronger your coverage will be.
Recommended coverage options for Honda drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses resulting from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Many of these types of coverage are required in most states. Your local independent insurance agent can help you get set up with all the required Honda insurance.
How Much Does Honda Insurance Cost?
The average cost of Honda insurance is $1,661 per year, or approximately $138 per month, for full coverage. When compared to the current national average cost of car insurance, which is $1,759 annually, or approximately $147 per month, Honda insurance rates are slightly lower. Insurance for Hondas may be more affordable than for most vehicles because of the brand's excellent safety ratings, affordable custom parts, and other factors.
Honda Insurance Costs by Popular Models
The specific type of Honda you drive can influence your insurance rates, including whether it's a sedan, SUV, truck, or hybrid. We compared quotes for some popular Honda models to provide a range of insurance costs for the brand overall.
| Model | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Honda CR-V | $1,464 | $122 |
| Honda Fit | $1,503 | $125 |
| Honda HR-V | $1,511 | $126 |
| Honda Odyssey | $1,589 | $132 |
| Honda Pilot | $1,626 | $136 |
| Honda Ridgeline | $1,677 | $140 |
| Honda Civic | $1,708 | $142 |
An independent insurance agent near you can help you find affordable car insurance for whatever type of Honda you drive.
Are Hondas Expensive to Insure?
No, Hondas are not expensive to insure, especially when compared to the current national average cost of car insurance. Honda vehicles tend to receive excellent safety scores and are known for longevity, which can lead to lower insurance costs. However, the model year of the Honda you drive can influence the cost of your coverage, as can many other factors.
What Other Factors Affect Honda Insurance Costs?
Your Honda's make and model impact the cost of your car insurance, but so does your location, claims history, and more. Additional criteria that can influence Honda insurance rates include:
- Your location
- Your claims history
- The amount of coverage and deductible that you choose
- Your age, gender, and marital status
- Your credit score (where allowed)
- Your driving history
Fortunately, local independent insurance agents know where to find cheap Honda insurance near you. They'll get you set up with affordable Honda insurance that delivers quality coverage.
Add-On Protections Worth Considering for Your Honda
Your basic Honda insurance policy is affordable, so why not increase the protection for your vehicle with more coverage? Consider adding the following types of coverage to your Honda insurance policy for greater protection:
- OEM parts coverage: Honda parts coverage can pay the full cost to replace your vehicle's parts with genuine Honda parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase after an accident.
- Honda warranty insurance: This coverage can prolong your Honda extended warranty to help cover the cost of future routine maintenance and repairs, where available.
- New car replacement coverage: This can pay to replace your Honda with another vehicle of the same model if yours is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you own a new or financed Honda, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
An independent insurance agent can help you compare all your Honda insurance coverage options to build a complete policy.
Best Car Insurance Companies for Honda Owners
You want your Honda insurance to come from a trustworthy carrier known for delivering on its coverage promises to policyholders. However, affordable rates are also important for many drivers. We've included some of our top recommendations for the best Honda car insurance companies of 2026. The quotes provided are for coverage for a Honda Civic, which was the most expensive model to insure of those we compared.
| Car Insurance Company | Average Annual Full Coverage Premium | Average Monthly Full Coverage Premium |
|---|---|---|
| USAA | $1,009 | $84 |
| Progressive | $1,228 | $102 |
| Nationwide | $1,580 | $132 |
| Allstate | $1,613 | $134 |
How to Lower Your Honda Insurance Premiums
While Honda insurance rates are already very affordable, it never hurts to save even more money when you can. Here are some easy ways to potentially reduce your Honda insurance costs even further:
- Maintain a clean driving record: Keep your driving record free of accidents, tickets, and other traffic violations to possibly earn good driver discounts and even lower your car insurance premium rates.
- Choose a higher deductible: Selecting a high deductible can lead to lower car insurance premiums, but understand that you'll have to pay more out of your own pocket if you file a claim.
- Take advantage of Honda insurance discounts: Many car insurance companies offer common savings options, such as multi-policy discounts, safety features discounts, anti-theft devices discounts, loyalty discounts, and bundling discounts, which can help you save considerably on your coverage.
- Enroll in telematics programs: Your car insurance company or Honda may offer telematics programs, such as those that track your driving habits or vehicle usage, to help potentially reduce your car insurance rates.
- Compare quotes from multiple carriers: Shopping and comparing Honda car insurance quotes from multiple carriers can help you find the most affordable Honda insurance coverage. A local independent insurance agent can do this step for you.
- Work with an independent insurance agent: These agents can access several different carriers near you to help find the best and most affordable car insurance for your Honda.
Your independent insurance agent can help you get set up with cheap Honda insurance and apply any car insurance discounts you're eligible to receive to help you save as much money as possible.
An Independent Insurance Agent Can Help You Get the Best Honda Insurance Quotes
When it's time to find the most affordable, quality Honda insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Honda insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Honda Insurance
Is car insurance for a Honda expensive?
No, Honda insurance is actually highly affordable. The average cost of Honda insurance is lower than the current national average cost of car insurance.
What's the most expensive model of Honda to insure?
We found that the Honda Civic is the most expensive model to insure of those we compared, with an average rate of $1,708 per year, or approximately $142 per month.
What's the cheapest model of Honda to insure?
The Honda CR-V is the cheapest Honda model to insure of those we compared, with an average cost of $1,464 per year, or approximately $122 per month.
Is Honda insurance cheaper than Toyota?
Yes, Honda insurance costs an average of $1,661 per year for full coverage, while Toyota insurance averages $1,844 per year. Honda insurance is cheaper, on average, than Toyota insurance.
Do Hondas have high theft rates?
Unfortunately, yes, two of the most frequently stolen cars in the U.S. are the Honda Accord and the Honda Civic. If you own a Honda, it's critical to ensure your auto policy includes theft coverage through comprehensive insurance.
Is Honda Sensing cheaper to insure?
Yes, vehicles with the Honda Sensing safety feature installed may be cheaper to insure through some carriers.
What coverage is required for financed or leased Hondas?
If you drive a financed or leased Honda, you might want to get gap insurance. This coverage can pay the difference in the amount still owed on your loan or lease and the amount your carrier pays if the vehicle is totaled or stolen within a set timeframe.
Sources
https://www.thezebra.com/auto-insurance/vehicles/honda/
https://www.thezebra.com/auto-insurance/how-to-shop/average-auto-insurance/
https://www.moneygeek.com/insurance/auto/honda-car-insurance/
https://www.thezebra.com/resources/driving/most-stolen-cars/