Jerry SummaryHonda auto insurance costs an average of $281 per month for full coverage. You may be able to cut insurance costs by bundling policies, increasing your deductible or enrolling in a telematics program. You’ll find the best rate by comparing quotes from multiple insurers.
Since Honda’s U.S. debut in 1959, its name has become synonymous with practicality, reliability and versatility. From hatchbacks and sedans to SUVs, trucks and vans, there’s a Honda model for every driver out there. For those looking to cut fuel costs, Honda also offers hybrid, EV and hydrogen power on some models.
While Honda vehicles are known for reliability, your car insurance rates will vary based on the model and options you choose, which is why it’s so important to find the best car insurance that meets your needs and budget.
Whether you’re looking for the comfort of an Odyssey minivan, the sportiness of a Civic Type-R or something in between, here are car insurance rates for Honda vehicles.
Average Honda car insurance costs
Honda car insurance costs $281 per month, on average, according to Jerry’s data analysis of full coverage quotes. Your actual insurance premium will vary based on the Honda you drive, plus your driving record, age, location, coverage limits and deductible. Here are average full coverage rates by Honda model.
|
Honda Model
|
Average full coverage cost
|
|---|---|
| Accord | $303 |
| Civic | $285 |
| Crosstour | $219 |
| Cr-V | $243 |
| Cr-Z | $190 |
| Element | $237 |
| Fit | $209 |
| Hr-V | $285 |
| Insight | $249 |
| Odyssey | $232 |
If you have a loan or lease on your vehicle, the lender will require
Click here to see average rates by Honda model for minimum coverage.
|
Honda Model
|
Average minimum coverage cost
|
|---|---|
| Accord | $163 |
| Civic | $150 |
| Crosstour | $156 |
| Cr-V | $146 |
| Cr-Z | $97 |
| Element | $135 |
| Fit | $135 |
| Hr-V | $144 |
| Insight | $121 |
| Odyssey | $145 |
Factors that affect Honda car insurance costs
Many different factors play a role in how car insurance is calculated, such as:
- Vehicle model. Auto insurance is typically more costly for luxury or high-performance models, like the Honda Civic Type R.
- Vehicle age. Newer models generally cost more to insure due to their higher market value. They also tend to include technology, like hybrid batteries or Honda’s lane keeping assist system, that can be expensive to repair after a crash.
- Your age. Drivers younger than 25 pay higher insurance rates due to their limited driving experience and higher likelihood of getting in a crash, but costs tend to decrease as they get older. However, senior drivers above the age of 70 may also face higher auto insurance premiums due to an increase in potential accidents.
- Your driving record. Insurance companies reward good drivers with lower insurance rates. Individuals with a history of car accidents, tickets, citations and driving violations will typically pay higher rates.
- Where you keep your car. You’ll likely pay less for auto insurance if you store your car in a garage versus park it on the street, since it’s more likely to be protected from things like weather events, theft and other factors that could result in vehicle damage.
Here are a few specific factors that impact auto insurance rates for Honda:
- Reliability. Hondas are extremely reliable and safe cars, which means some models have a lower rate of claims than their competitors’ vehicles. Hondas also usually require less repairs over their lifespan.
- Replacement costs. Imported cars, like Hondas, tend to have higher replacement costs compared to domestic models, which can potentially increase insurance premiums.
- Safety. Honda is renowned for excellent safety ratings, especially for its smaller vehicles and SUVs. Vehicles with high safety ratings tend to cost less to insure.
About Honda’s insurance product
When purchasing a Honda vehicle, you may be offered Honda insurance from the automaker. The policy is branded as American Honda Insurance Solutions, LLC (“AHIS”), but all policies are underwritten by a separate company named VIU by HUB LLC, an independent licensed insurance broker (“HUB”).
These policies are available in 48 states, and you can even insure other makes and models. While it may be convenient to get Honda insurance when buying a new car, shopping for car insurance may save money on your premium.
Average cost of Honda car insurance, by state
Car insurance rates vary by state due to different regulations, minimum coverage amounts and local risk factors that may have nothing to do with your personal driving record. These factors can include crime rates and costs to repair vehicles.
Here are average Honda car insurance costs, by state.
|
State
|
Average full coverage cost
|
|---|---|
| AL | $139 |
| AR | $157 |
| AZ | $190 |
| CA | $263 |
| CO | $210 |
| CT | $329 |
| DC | $364 |
| DE | $280 |
| FL | $248 |
| GA | $307 |
Best companies for Honda car insurance
Jerry’s editorial staff evaluates the best car insurance companies every year. Our ratings incorporate many factors, including combined subsidiary complaints and relative ability to pay out claims.
Here are our top companies for 2025.
| Insurance company | Best for: | Jerry star rating (out of 5) |
|---|---|---|
| Geico | Overall car insurance. | 5 |
| Auto-Owners | Small insurance company. | 4.9 |
| Nationwide | Usage-based insurance. | 4.7 |
| Allstate | Discounts. | 4.7 |
| Farmers | Customizable options. | 4.6 |
| Progressive | Loyal policyholders. | 4.6 |
Cheapest car insurance companies for Honda
The cheapest Honda auto insurance comes from Aspire Advantage with an average premium of $181 per month for full coverage, according to an analysis of real car insurance quotes for Jerry customers. The cheapest minimum coverage comes from Mercury, with an average premium of $78 per month.
Here are the cheapest auto insurance companies for Hondas with full coverage.
|
Insurance Company
|
Average full coverage cost
|
|---|---|
| Aspire Advantage | $181 |
| Geico | $192 |
| Aspen | $198 |
| Bluefire | $213 |
| ROOT | $222 |
Here are the most affordable car insurance companies for minimum coverage.
|
Insurance Company
|
Average minimum coverage cost
|
|---|---|
| Mercury | $78 |
| Aspen | $78 |
| Aspire Advantage | $80 |
| Commonwealth Insurance | $104 |
| National General | $107 |
If you have a loan or lease on your vehicle, the lender will require
Honda Civic insurance costs
The average cost of insurance for a Honda Civic with full coverage is $285 per month, according to Jerry’s data analysis.
Insurers often use claims data when pricing insurance policies for specific car makes. The Honda Civic has substantially higher costs associated with personal injury, medical payment and bodily injury claims, according to data from the Insurance Institute for Highway Safety (IIHS). This means an insurer may increase your premium if you drive a Civic.
The table below shows the average monthly premium for each Honda Civic trim level based on real quotes from Jerry customers.
|
Honda Civic trim
|
Average monthly cost
|
|---|---|
| Honda Civic 1500 CRX | $103 |
| Honda Civic 1500 CRX SI | $98 |
| HONDA CIVIC BASE | $90 |
| Honda Civic CX | $156 |
| HONDA CIVIC CX | $130 |
| Honda Civic DEL SOL S | $117 |
| Honda Civic DEL SOL SI | $83 |
| HONDA CIVIC DEL SOL SI | $102 |
| Honda Civic DX | $143 |
| HONDA CIVIC DX | $81 |
To buy a new 2025 Honda Civic, the starting MSRP ranges from $24,250 to $31,950, depending on which model you choose. Civics come in a range of trim levels, including hybrid, hatchback and the sporty Type R. Additional features and options can make the ultimate purchase price increase.
Honda Accord insurance costs
The average cost of insurance for a Honda Accord with full coverage is $303 per month, according to Jerry’s data analysis.
Insurers often use claims data when pricing insurance policies. The Honda Accord has excellent resale value and a Five-Star Overall Safety Rating from the National Highway Traffic and Safety Administration (NHTSA). However, your premium could be higher for the Honda Accord than comparable vehicles because it has substantially higher losses for personal injury and medical payments.
This table shows the average monthly premium for each trim level of the Honda Accord that real Jerry customers have been quoted.
|
Honda Accord trim
|
Average monthly cost
|
|---|---|
| Honda Accord 10th Annivers | $73 |
| Honda Accord 1800 | $1,737 |
| Honda Accord Cross Tour EX | $201 |
| HONDA ACCORD CROSSTOUR EXL | $145 |
| Honda Accord DX | $159 |
| HONDA ACCORD DX | $135 |
| Honda Accord EX | $205 |
| HONDA ACCORD EX | $170 |
| Honda Accord Ex-l | $254 |
| HONDA ACCORD EXL | $209 |
The Honda Accord offers exceptional value among midsize sedans with a starting MSRP for 2025 models ranging from $28,295 to $39,300, depending on which trim level you choose. Additional features and options can increase the price you ultimately pay for your new vehicle.
Honda Pilot insurance costs
The average cost of insurance for a Honda Pilot is $243 per month for full coverage, according to Jerry’s data analysis.
According to IIHS data, the Honda Pilot has substantially lower losses for collision and property damage claims, which could result in a lower premium for owners.
This table uses real car insurance quotes from Jerry customers to show the average monthly premium for each trim level of the Honda Pilot.
|
Honda Pilot trim
|
Average monthly cost
|
|---|---|
| HONDA PILOT SE | $113 |
| Honda Pilot VP | $123 |
| Honda Pilot Exln | $175 |
| HONDA PILOT EXL | $185 |
| HONDA PILOT TRAILSPORT | $186 |
| Honda Pilot LX | $186 |
| Honda Pilot EX | $192 |
| Honda Pilot EXL | $197 |
| HONDA PILOT EX | $198 |
| Honda Pilot Touring | $201 |
With starting MSRPs ranging from $40,200 to $54,580, the Honda Pilot offers numerous price points for buyers looking to customize their ride. You can upgrade your vehicle with additional features and options, but that will increase your total price. This mid-size SUV offers a third-row of seating with a spacious interior, and it has great resale value, according to J.D. Power.
Honda Odyssey insurance costs
The average monthly premium for the Honda Odyssey is $232 for full coverage, according to real quotes from Jerry customers.
The Honda Odyssey has an overall 5-star safety rating from the National Highway Traffic Safety Administration (NHTSA), which could result in lower rates.
This table uses real car insurance quotes from Jerry customers to show the average monthly premium for each trim level of the Honda Odyssey.
|
Honda Odyssey trim
|
Average monthly cost
|
|---|---|
| HONDA ODYSSEY ELITE | $91 |
| HONDA ODYSSEY SE | $91 |
| HONDA ODYSSEY EX | $105 |
| HONDA ODYSSEY EXL | $106 |
| HONDA ODYSSEY TOURING | $115 |
| Honda Odyssey Elite | $135 |
| Honda Odyssey EX | $158 |
| Honda Odyssey Touring | $159 |
| Honda Odyssey Sport-l | $168 |
| HONDA ODYSSEY LX | $177 |
Starting MSRPs range from $42,220 to $51,180, but actual costs may be higher based on the features and add-ons you select. Keep in mind that insurance costs may vary based on the trim level you choose.
Auto insurance shopping tips for Honda
You can lower the cost of your Honda car insurance by following these tips.
- Compare rates: Getting quotes from multiple insurance companies is the best way to find affordable rates. Be sure the rates are for comparable coverage types and limits.
- Ask about discounts: Hondas have many advanced safety features that could lower premiums. Discuss available car insurance discounts to find out if you’re missing out on any savings.
- Bundle your insurance: You can reduce your monthly bill by bundling your auto insurance with a homeowners, renters or other policy with the same company.
- Participate in a telematics program: Driving safely or using fewer miles may qualify you for lower rates. Telematics programs use plug-in devices or mobile apps to price your policy based on your driving habits. Be aware that, while some programs reward safe drivers with lower premiums, others may increase your rate for poor driving behavior.
- Raise your deductible: The deductible is the amount of money you pay before your insurer will pay on a claim. Raising your deductible can lower your bill, but make sure you can afford to cover the larger amount if you file a claim.
- Drop comprehensive and collision coverage: These coverage types only pay out up to the current market value of your car, minus your deductible. If you drive an older Honda model that isn’t worth much, you likely can drop the coverage.
When shopping for car insurance, your quote is only as good as the information you provide. While insurers can provide rates using little information, when you provide detailed answers upfront, you’ll receive the most accurate quote.
If you’ve financed your Honda, most lenders require full coverage until your loan is paid off. Some Honda owners without a loan may consider dropping down to state-mandated coverage levels, but this won’t cover repairs or replacement of your vehicle if you’re in an at-fault accident.
| Coverage | Definition |
|---|---|
| Collision insurance | An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage. |
| Comprehensive insurance | An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events. |
| Bodily injury liability (BI) | Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states. |
| Property damage liability (PD) | Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states. |
| Personal injury protection (PIP) | Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states. |
| Medical payments | Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states. |
| Uninsured/underinsured motorist coverage (UM/UIM) | Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states. |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
FAQ
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Lee Huffman is personal finance expert who has been writing online since 2012. After spending 18 years experience in banking, insurance and investing, Lee has a knack for translating complex financial topics into everyday language so readers can make informed decisions.
His bylines appear in more than 1,300 articles for numerous online publications, like TIME, Fortune, LendingTree, NerdWallet, Forbes, USA Today, Money, Slickdeals, Business Insider and Investopedia. Lee has an MBA in eBusiness, and he earned his Bachelors in Business Management at Pepperdine University.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
