The Honda S2000 is an open-top sports car known for its sleek body style and efficient handling. The S2000 debuted in the U.S. in 1999 and was discontinued after the 2009 model year. However, many sports car enthusiasts and auto collectors still drive S2000s. No matter which type of S2000 you own, it needs to be protected with the right car insurance.
When it's time to find the best Honda S2000 insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Honda S2000 at a great rate. But first, here's a closer look at how much it costs to insure an S2000 by model year and top-rated insurance company in 2026.
Key Takeaways - Honda S2000 Car Insurance
Honda S2000 insurance costs an average of $2,700 per year, or approximately $225 per month, for full coverage in 2026.
Minimum coverage for the Honda S2000 averages $852 per year, or approximately $71 per month.
Your age, location, credit, vehicle trim level, and driving history can all impact the cost of Honda S2000 insurance.
The S2000 costs more to insure, on average, than other Honda models.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Honda S2000 model.
What Is Honda S2000 Insurance?
Honda S2000 insurance is a type of car insurance policy that includes customized coverage options for your specific vehicle. As a sports car, the S2000 may require additional coverage beyond that of standard sedans. As such, you may have higher premium rates than for your everyday vehicle.
Recommended coverage options for Honda S2000 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 S2000:
- 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 between 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 Honda S2000 car insurance in your area.
How Much Does Honda S2000 Insurance Cost?
The average cost of car insurance for a Honda S2000 is $2,700 per year, or approximately $225 per month, for full coverage. Minimum coverage costs an average of $852 per year, or approximately $71 per month. However, several factors can influence the cost of Honda insurance, including:
- The specific type of S2000 you drive
- Your claims history
- The types and amount of coverage you need
- Your credit score (where allowed)
- Vehicle safety features
- Annual mileage
- Your location
- Your driving history
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Honda S2000 full coverage insurance or a basic Honda S2000 liability insurance policy.
Is the Honda S2000 Expensive to Insure?
Yes, the Honda S2000 is quite expensive to insure compared to other vehicles by the same brand. The average monthly cost of Honda S2000 auto insurance is $225, while the average across all Honda vehicles is $186.
| Vehicle | Average Monthly Cost of Car Insurance |
|---|---|
| All Hondas | $186 |
| Honda S2000 | $225 |
Average Honda S2000 Insurance Costs Compared to Similar Vehicles
The table below compares the Honda S2000's average monthly insurance rates to similar vehicles. While the S2000 is more expensive to insure than a Subaru Outback, it's actually cheaper to insure than a Mazda 3, a Mitsubishi Lancer, or a Fiat 500X.
| Car | Monthly Minimum Coverage Cost | Monthly Full Coverage Cost |
|---|---|---|
| Honda S2000 | $71 | $225 |
| Mitsubishi Lancer | $103 | $186 |
| Subaru Outback | $69 | $135 |
| Fiat 500X | $118 | $181 |
| Mazda 3 | $95 | $178 |
Cheapest Honda S2000 Car Insurance Companies for 2026
Some carriers offer more affordable Honda S2000 auto insurance than others. These top-rated car insurance companies are our recommendations for getting cheap, but quality, Honda S2000 insurance in 2026.
| Top Car Insurance Companies | Overall Star Rating |
|---|---|
| Travelers |
|
| Progressive |
|
| Nationwide |
|
| USAA |
|
| Liberty Mutual |
|
| Safeco |
|
Average Honda S200 Insurance Rates by Driver Age and Profile
Additional factors that greatly influence car insurance premiums include your age, credit, and driving history. Teens and young drivers pay the most, by far, on average for Honda S2000 insurance. Drivers with poor credit or traffic violations on their records also tend to pay much more for auto 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. An independent insurance agent can help you find the most affordable Honda S2000 insurance regardless of your age or driver profile.
Best Honda S2000 Insurance Discounts: How to Lower Your Honda S2000 Insurance Premiums
Follow any of these easy steps to start saving more money on your Honda S2000 car insurance:
- Ask about Honda S2000 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.
- 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.
- 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 S2000 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 S2000 insurance from a trusted carrier near you.
A local independent insurance agent can help you find the best Honda S2000 insurance discounts. They can also recommend additional methods to further reduce your premiums.
An Independent Insurance Agent Can Help You Get the Best Honda S2000 Insurance Quotes
When it's time to find the most affordable Honda S2000 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 S2000 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 S2000 Insurance
How much does Honda S2000 insurance cost per year?
The average annual cost of full coverage for a Honda S2000 is $2,700 per year, or approximately $225 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 S2000 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 S2000 insurance.
Is the Honda S2000 expensive to insure?
Yes, the Honda S2000 is pretty expensive to insure on average. While the average monthly car insurance rate across all Honda vehicles is $186, the Honda S2000's average monthly rate is $225.
What are the best and cheapest carriers for Honda S2000 insurance in 2026?
Some of our top recommendations for the best and cheapest car insurance companies for Honda S2000 insurance are Travelers, Nationwide, Progressive, and USAA.
Is insurance cheaper for the S2000 than for similar vehicles?
Yes and no. While the S2000 is more expensive to insure than a Subaru Outback, it's actually cheaper to insure than a Mazda 3, a Mitsubishi Lancer, or a Fiat 500X.
How can I get cheaper Honda S2000 insurance?
Finding cheaper Honda S2000 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://jerry.ai/car-insurance/honda/model-s2000/
https://www.insuranceopedia.com/auto-insurance/honda-accord-car-insurance