The Honda Ridgeline is a mid-size pickup truck that first debuted in the U.S. in 2005 and is still going strong today. The 2026 Ridgeline features impressive towing capacity and a 280-HP V-6 engine. No matter which type of Ridgeline you drive, it needs to be protected with the right car insurance.
When it's time to find the best Honda Ridgeline insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for Honda pickup trucks at a great rate. But first, here's a behind-the-scenes look at how much it costs to insure a Ridgeline by model year and top-rated insurance company in 2026.
Key Takeaways - Honda Ridgeline Car Insurance
Honda Ridgeline insurance costs an average of $1,836 per year, or approximately $153 per month, for full coverage in 2026.
Honda Ridgeline insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $29 monthly for minimum coverage, while those in Louisiana pay $158.
The Ridgeline costs less to insure, on average, than other pickup trucks.
Nationwide, American Family, and Progressive are the cheapest carriers for model-year 2025 Honda Ridgeline insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Honda Ridgeline model.
What Is Honda Ridgeline Insurance?
Honda Ridgeline insurance is a type of car insurance policy that includes customized coverage options for your specific vehicle. As a mid-size pickup, the Ridgeline may require additional coverage beyond that needed by standard sedans, so it's worth reviewing our guide to pickup truck insurance. However, the Ridgeline's average car insurance rates trend cheaper than those for similar vehicles in its class. For rates across other Honda models, see our full guide to Honda car insurance.
Recommended coverage options for Honda Ridgeline drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- 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.
- 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 an uninsured or underinsured driver, 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.
- 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.
Add-on coverage options worth considering for a Honda Ridgeline:
- 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.
- 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.
A local independent insurance agent can help you get set up with all the required car insurance in your state for Honda trucks, including your specific Ridgeline model.
How Much Does Honda Ridgeline Insurance Cost?
The average cost of car insurance for a Honda Ridgeline is $1,836 per year, or approximately $153 per month, for full coverage. However, several factors can influence the cost of Honda insurance, including:
- The specific type of Ridgeline you drive
- Your claims history
- The types and amount of coverage you need
- Vehicle safety features
- Annual mileage
- Your location
- Your credit score (where allowed)
- Your driving history
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Honda Ridgeline full coverage insurance or a basic Honda Ridgeline liability insurance policy.
Is the Honda Ridgeline Expensive to Insure?
No, the Honda Ridgeline isn't expensive to insure on average. The average monthly cost of Honda Ridgeline auto insurance is $153, while the average for other trucks is $185.
| Vehicle | Average Monthly Cost of Car Insurance |
| Honda Ridgeline | $153 |
| All Trucks | $185 |
Honda Ridgeline Insurance Costs by Model Year
Next, we'll break down several model years of the Honda Ridgeline and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Honda Ridgeline* | $1,780 |
| 2025 Honda Ridgeline | $1,401 |
| 2023 Honda Ridgeline | $1,283 |
| 2022 Honda Ridgeline | $701 |
| 2021 Honda Ridgeline | $863 |
| 2020 Honda Ridgeline | $760 |
| 2019 Honda Ridgeline | $669 |
| 2018 Honda Ridgeline | $928 |
| 2017 Honda Ridgeline | $711 |
| 2015 Honda Ridgeline | $1,073 |
| 2014 Honda Ridgeline | $688 |
| 2013 Honda Ridgeline | $585 |
| 2012 Honda Ridgeline | $527 |
| 2011 Honda Ridgeline | $640 |
| 2010 Honda Ridgeline | $585 |
*Note: The 2026 Ridgeline's average rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Honda Ridgeline Car Insurance Companies for 2026
You can find affordable auto insurance for a Honda Ridgeline from many different carriers. These top-rated car insurance companies provide the cheapest model-year 2025 Honda Ridgeline insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Nationwide | $1,637 |
| American Family | $1,721 |
| Progressive | $1,734 |
| Erie | $1,980 |
| USAA | $1,982 |
| Allstate | $3,375 |
Honda Ridgeline Car Insurance Rates by State
Location is one of the main factors that influence car insurance costs. Here are some average auto insurance rates for the Honda Ridgeline by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $65 | $123 |
| Alaska | $56 | $120 |
| Arizona | $93 | $174 |
| Arkansas | $63 | $140 |
| California | $76 | $153 |
| Colorado | $76 | $180 |
| Connecticut | $108 | $186 |
| Delaware | $108 | $181 |
| Florida | $98 | $226 |
| Georgia | $114 | $187 |
| Hawaii | $42 | $94 |
| Idaho | $43 | $87 |
| Illinois | $72 | $135 |
| Indiana | $50 | $99 |
| Iowa | $43 | $104 |
| Kansas | $56 | $131 |
| Kentucky | $97 | $164 |
| Louisiana | $158 | $338 |
| Maine | $41 | $85 |
| Maryland | $119 | $200 |
| Massachusetts | $79 | $167 |
| Michigan | $120 | $232 |
| Minnesota | $65 | $134 |
| Mississippi | $68 | $135 |
| Missouri | $93 | $184 |
| Montana | $54 | $129 |
| Nebraska | $57 | $130 |
| Nevada | $137 | $248 |
| New Hampshire | $54 | $96 |
| New Jersey | $128 | $210 |
| New Mexico | $64 | $143 |
| New York | $94 | $169 |
| North Carolina | $63 | $124 |
| North Dakota | $48 | $103 |
| Ohio | $58 | $113 |
| Oklahoma | $72 | $160 |
| Oregon | $95 | $165 |
| Pennsylvania | $67 | $158 |
| Rhode Island | $97 | $173 |
| South Carolina | $79 | $147 |
| South Dakota | $42 | $127 |
| Tennessee | $60 | $123 |
| Texas | $99 | $204 |
| Utah | $84 | $143 |
| Vermont | $36 | $86 |
| Virginia | $75 | $122 |
| Washington | $71 | $131 |
| West Virginia | $68 | $139 |
| Wisconsin | $50 | $110 |
| Wyoming | $29 | $88 |
Average Honda Ridgeline Insurance Rates by Driver Age and Profile
Other factors that play a major role in calculating car insurance premiums are your age, credit, and driving history. Teens and young drivers on average pay the most, by far, for Honda Ridgeline insurance. Drivers with poor credit or traffic violations on their records also tend to pay much more for auto insurance.
As a general rule, car insurance premiums 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 Ridgeline by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,118 | $9,085 | $10,541 |
| 20 | $4,738 | $7,008 | $8,147 |
| 25 | $2,807 | $4,040 | $4,748 |
| 30 | $2,139 | $3,191 | $3,716 |
| 35 | $2,065 | $2,982 | $3,434 |
| 40 | $1,938 | $2,824 | $3,358 |
| 45 | $1,924 | $2,811 | $3,294 |
| 55 | $1,714 | $2,565 | $3,015 |
| 65 | $1,810 | $2,651 | $3,125 |
| 75 | $2,308 | $3,316 | $3,912 |
Average Honda Ridgeline Insurance Rates by Trim Level
A vehicle's specific trim also has a major impact on the cost of car insurance. Here are some average rates for Honda Ridgeline insurance by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| RTX Pickup 4D 5 FT | $68 | $131 |
| Black Edition Pickup 4D 5 FT | $72 | $140 |
| Sport Pickup 4D 5 FT | $73 | $142 |
| RT Pickup 4D 5 FT | $75 | $144 |
| RTL-T Pickup 4d 5 FT | $77 | $149 |
| RTS Pickup 4D 5 FT | $77 | $149 |
| RTL Pickup 4D 5 FT | $78 | $152 |
| RTL-E Pickup 4D 5 FT | $80 | $155 |
| SE Pickup 4D 5 FT | $82 | $159 |
| Sport | $84 | $163 |
| Black Edition Pickup 4D 5 FT | $88 | $171 |
| RTL | $89 | $172 |
| Sport+ | $89 | $174 |
| Black Edition | $93 | $181 |
| Trailsport | $94 | $182 |
| RTL+ | $94 | $183 |
| Black Edition | $98 | $190 |
| Trailsport+ | $100 | $193 |
Best Honda Ridgeline Insurance Discounts: How to Lower Your Honda Ridgeline Insurance Premiums
Want to save even more money on your Honda pickup truck auto insurance premiums? Follow these simple steps to help lower your Honda Ridgeline insurance costs even further:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- 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.
- Ask about Honda Ridgeline 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.
- 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.
- Compare quotes from multiple carriers: Comparing Honda Ridgeline 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 Ridgeline insurance from a trusted carrier near you.
Working with a local independent insurance agent is a great way to get matched to the best Honda Ridgeline insurance discounts and other huge savings options.
An Independent Insurance Agent Can Help You Get the Best Honda Ridgeline Insurance Quotes
When it's time to find the most affordable Honda Ridgeline 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 Ridgeline insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates 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 Ridgeline Insurance
How much does Honda Ridgeline insurance cost per year?
The average annual cost of full coverage for a Honda Ridgeline is $1,836 per year, or approximately $153 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Honda Ridgeline insurance premiums?
If you've filed claims in the past, have accidents or other violations on your driving record, have poor credit, drive an expensive trim model, or live in a high-theft area, these factors can all increase the cost of Honda Ridgeline insurance.
Is the Honda Ridgeline expensive to insure?
No, the Honda Ridgeline isn't expensive to insure on average. The cost of a six-month full coverage policy is only $918.
What are the best and cheapest carriers for Honda Ridgeline insurance in 2026?
We found that Nationwide, American Family, and Progressive are the best and cheapest car insurance companies for model-year 2025 Honda Ridgeline insurance this year.
Is insurance cheaper for the Ridgeline than for other trucks?
Yes, the Honda Ridgeline's average insurance rates are cheaper than those for other trucks. While the Ridgeline's average full coverage rates are just $153 per month, other trucks average $185 per month.
How can I get cheaper Honda Ridgeline insurance?
Finding cheaper Honda Ridgeline 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.insuranceopedia.com/auto-insurance/honda-ridgeline-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/honda/ridgeline/
https://www.moneygeek.com/insurance/auto/honda-ridgeline-insurance/