The Honda Element is a compact crossover SUV that debuted in the U.S. in 2002. While Honda discontinued the Element after the 2011 model year, the vehicle can still be spotted on the road today. No matter which type of Element you drive, it needs to be protected with the right car insurance.
When it's time to find the best Honda Element insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Honda Element at a great rate. But first, here's a behind-the-scenes look at how much it costs to insure an Element by model year and top-rated insurance company in 2026.
Key Takeaways
- Honda Element insurance costs an average of $1,548 per year, or approximately $129 per month, for full coverage in 2026.
- Honda Element insurance costs vary considerably by state, with drivers in New York paying an average of $254 per month for coverage, while those in Illinois pay only $36.
- Your age, location, credit, and driving history can all impact the cost of Honda Element insurance.
- Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Honda Element model.
What Is Honda Element Insurance?
Honda Element insurance is a special type of car insurance policy that includes customized coverage options for your specific vehicle. As a compact crossover SUV, the Element may require additional coverage beyond what standard cars need.
Recommended coverage options for Honda Element drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- 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.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- 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.
- 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.
Add-on coverage options worth considering for a Honda Element:
- Honda warranty insurance: This can extend Honda's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay 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 following an accident.
- Gap insurance: If you have a new or financed Honda vehicle, 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.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
Most states require certain types of car insurance. Drivers can be fined or may face other penalties for noncompliance if they don't obtain the minimum coverage required by their state. A local independent insurance agent can help you get set up with all the required Honda Element insurance.
How Much Does Honda Element Insurance Cost?
The average cost of car insurance for a Honda Element is $1,548 per year, or approximately $129 per month, for full coverage. Liability coverage for an Element averages $876 per year, or approximately $73 per month. However, several factors can influence the cost of Honda insurance, including:
- The specific type of Element you drive
- The types and amount of coverage you need
- Your credit score (where allowed)
- Your driving history
- Your location
- Your claims history
- Vehicle safety features
- Annual mileage
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Honda Element full coverage insurance or a basic Honda Element liability insurance policy.
Is the Honda Element Expensive to Insure?
No, the Honda Element isn't expensive to insure on average. The average monthly cost of Honda Element auto insurance is $129, while the average for other SUVs is $184. The Element's average rates are also cheaper than those of other vehicles by Honda.
| Vehicle | Average Monthly Cost of Car Insurance |
|---|---|
| Honda Element | $129 |
| All SUVs | $184 |
| All Hondas | $186 |
Honda Element Car Insurance Rates by State
Your location is one of the biggest factors that influence car insurance costs. Here are some average auto insurance rates for the Honda Element in select states for 2026.
| State | Average Monthly Cost of Car Insurance |
|---|---|
| California | $55 |
| Florida | $104 |
| Georgia | $103 |
| Illinois | $36 |
| New York | $254 |
| North Carolina | $49 |
| Ohio | $46 |
| Pennsylvania | $67 |
| Texas | $57 |
| Virginia | $49 |
Average Honda Element Insurance Rates by Driver Age
A driver's age plays a major role in how much their car insurance costs. Teens and young drivers are likely to pay the most, by far, for Honda Element insurance. Car insurance rates typically begin to drop dramatically around age 25.
Once a driver reaches about age 65, car insurance costs start to gradually climb again through their senior years. Here are some average insurance rates for the Honda Element by driver age for 2026.
| Driver Age | Average Monthly Cost of Car Insurance |
|---|---|
| 18-24 | $136 |
| 25-34 | $66 |
| 35-44 | $55 |
| 45-54 | $55 |
| 55-64 | $55 |
| 65+ | $57 |
Best Honda Element Insurance Discounts: How to Lower Your Honda Element Insurance Premiums
Want to save even more money on Honda Element insurance? Just follow any of these easy steps:
- Ask about Honda Element insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Ask about telematics programs: Your insurance company or Honda may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Compare quotes from multiple carriers: Comparing Honda Element insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Honda Element insurance from a trusted carrier near you.
A local independent insurance agent knows where to find the biggest Honda Element car insurance discounts and additional savings options.
An Independent Insurance Agent Can Help You Get the Best Honda Element Insurance Quotes
When it's time to find the most affordable Honda Element insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Honda Element insurance coverage and cost.
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 Element Insurance
How much does Honda Element insurance cost per year?
The average annual cost of full coverage for a Honda Element is $1,548 per year, or approximately $129 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Honda Element insurance premiums?
Living in a high-theft area, having filed past claims, having poor credit, and having accidents on your record can all increase Honda Element auto premiums.
Is the Honda Element expensive to insure?
No, the Honda Element isn't expensive to insure on average. The cost of a six-month full coverage policy is only $774.
How much does minimum coverage for a Honda Element cost per year?
Liability-only coverage for a Honda Element costs an average of $876 per year, or approximately $73 per month.
Is insurance cheaper for the Element than for other SUVs?
Yes, the Honda Element's average insurance rates are cheaper than those for other SUVs. While the Element's average full coverage rates are just $129 per month, other SUVs average $184 per month.
How can I get cheaper Honda Element insurance?
Finding cheaper Honda Element insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.compare.com/auto-insurance/vehicles/honda/element
https://www.insuranceopedia.com/auto-insurance/honda-accord-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/jeep/renegade/