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How Much is Honda Car Insurance?

Written by Alyssa DiCrasto

Reviewed by Katie Dee

Last updated: February 26th, 2024

The cost of car insurance for a Honda is on average between $1,830 and $2,150 annually, depending on the specific model. However, the price you’ll pay for Honda car insurance will vary based on personal factors like where you live and the coverage you want. 

What does it cost to insure my Honda?

Honda Insurance by Vehicle

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Honda insurance cost

Hondas are some of the most popular vehicles in the United States. They are the second best-selling Japanese automaker brand, closely behind Toyota, and three of their models – the CRV, Civic, and Accord – landed on the list of 25 best-selling vehicles in 2022 

One of the reasons Honda is so popular is no doubt its reputation for reliability. Honda’s reliability and dependability are also why the cost of Honda insurance is relatively low compared to other automakers. 

Below are the average annual car insurance prices for Honda’s most popular 2023 models. 

Honda insurance rates by model

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

Insurance for popular Honda models

Honda Civic

The Honda Civic is Honda’s third most popular model, and it’s known for its practicality and style. With a modern design and advanced technology, the sedan offers comfortable seating, efficient fuel economy, and smart safety features.

See how much it costs to insure a Honda Civic>

Honda Accord

The Honda Accord is a versatile and sophisticated sedan celebrated for its performance and comfort. The Accord offers spacious seating, impressive fuel efficiency, and modern safety technologies. It is known as one of the best 2023 cars on the market.

See how much it costs to insure a Honda Accord>

Honda CR-V

The CR-V is Honda’s most popular model. It is a practical compact SUV known for its versatility and reliability, and is cheap to insure compared to the national average. The CR-V offers spacious seating, good fuel efficiency, and advanced safety systems.

See how much it costs to insure a Honda CR-V>

Honda HR-V

The Honda HR-V is a compact SUV that blends style and versatility seamlessly. The HR-V offers flexible seating, impressive fuel economy, and advanced safety technologies. This model is known for its sleek design and innovative features.

See how much it costs to insure a Honda HR-V>

Honda Odyssey

The Honda Odyssey is a spacious and family-friendly minivan celebrated for its comfort and convenience. The Odyssey offers flexible seating, good fuel efficiency, and advanced safety systems.

See how much it costs to insure a Honda Odyssey>

Honda Passport

$1,950 average annual premium

The Honda Passport is a rugged and versatile SUV designed for both exploration and everyday use. The Passport offers ample space, efficient fuel economy, and advanced safety technologies.

See how much it costs to insure a Honda Passport>

Honda Pilot

$1,920 average annual premium

The Honda Pilot is a spacious and family-oriented SUV known for its reliability and versatility. With its modern design and family-friendly features, it's perfect for various activities and daily routines.

See how much it costs to insure a Honda Pilot>

Cheapest car insurance companies for Honda

For Honda, the cheapest car insurance companies include Nationwide, Progressive, Geico, and Auto-Owners. Those are all companies that cover a large portion of the US. You might find that a local car insurance company will offer cheaper insurance. The cheapest car insurance company for your Honda might be different depending on where you live and your driver profile.

Average cost of Honda car insurance at popular car insurance companies

progressive insurance
GEICO insurance

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How much should I expect to pay to insure my Honda

Personalized rate estimates at the top insurance companies in your state

Your rates will vary based on where you live, your age, and other factors like your driving record

What kind of car insurance do I need for my Honda?

When determining the type of car insurance you need for your Honda, there isn’t a one-size-fits-all answer. The best insurance coverage varies from person to person and depends on your specific vehicle. For example, someone who is financing a brand-new Honda may need a full coverage policy with gap insurance while someone who owns an old Honda may be comfortable with a minimum coverage policy. 

These are some common types of coverage to consider when insuring your Honda: 

  • Liability Coverage: In every state besides NH and VA, liability insurance is required by law and covers the costs of injuries or property damage you may cause to others in an accident. 
  • Collision Coverage: This covers the cost of repairing or replacing your Honda if it’s damaged in a collision, regardless of who’s at fault. 
  • Comprehensive Coverage: This covers non-collision events such as theft, vandalism, natural disasters, and more. 
  • Uninsured/Underinsured Motorist Coverage: This protects you if you’re in an accident with a driver who doesn’t have enough insurance or no insurance at all. 
  • Medical Payments Coverage/Personal Injury Protection: These cover medical expenses for you and your passengers after an accident, regardless of who’s at fault. 
  • Gap Insurance: If you’re leasing or financing your Honda, this coverage can help cover the difference between what you owe on your loan or lease and the car’s actual cash value if it’s totaled. 
  • Rental Reimbursement Coverage: This helps cover the cost of a rental car while your Honda is being repaired after a covered accident. 

Assess your driving habits, the value of your Honda, your budget, and your overall risk tolerance to determine the appropriate coverage. Consulting with insurance professionals and comparing insurance quotes from multiple companies can help you make an informed decision that aligns with your specific needs. 

Honda lease insurance requirements

If you lease your Honda, you will be required to carry a full coverage car insurance policy. According to Honda Financial Services, you must maintain physical damage, comprehensive, and collision insurance coverage for the entire contract duration and include Honda Lease Trust (HVT, Inc. in NY and VA) as an additional insured and loss payee.  

We recommend that you review your lease agreement and consult your insurance agent to understand state requirements and tailor coverage to your needs.

Frequently asked

Are Hondas more expensive to insure?

No, Honda is not more expensive to insure than the average vehicle. Most of the popular 2023 Hondas are less expensive to insure than the national average of $2,120. Hondas that are more expensive to insure include the Honda Accord and Honda Civic.

Are Hondas good for insurance?

Yes, Hondas are considered good for insurance. Honda’s reliability and relatively low repair and replacement costs contribute to the lower insurance rates for most popular Honda models.

Do Honda Accords have high insurance?

Yes, compared to the national average Honda Accords have high insurance. However, the 2023 Accord is the least expensive mid-size sedan to insure compared to other popular 2023 sedans. The price you pay for Honda Accord insurance will vary based on where you live and your driver profile.

Why is Honda Civic so expensive to insure?

Overall, sedans are more expensive to insure than SUVs, trucks, or minivans. As a compact sedan, the Honda Civic falls into this category. The price you pay for Honda Civic insurance will also be impacted by where you live, your driving record, and other personal factors.

Methodology

Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.