Over the past year, Jerry has helped 80,177 Honda drivers find smarter coverage and real savings. By analyzing real Honda insurance policies, we know what owners are actually buying and what you can expect to pay for each level of protection.
Competitive annual prices for Honda drivers are currently around:
-
$1,020 for basic coverage.
-
$2,704 for standard coverage.
-
$2,919 for premium coverage.
Of course, the rate you’ll pay depends on personal factors such as your driving record, where you live and the Honda model you drive.
On average, Honda drivers pay between $2,208 and $4,816 annually for standard coverage, with an average premium around $4,087. That’s similar to the national average of $3,817, thanks to Honda’s strong safety ratings, affordable parts and a reputation for reliability.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage. If we find a better deal, you can switch right away, even before renewal time. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your Honda insurance with Jerry.
How much does Honda insurance cost?
Honda insurance rates can vary widely, but Jerry makes it easy to see what drivers like you are actually paying.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even in the same city, two Honda drivers can have premiums that differ by hundreds per year. Jerry compares rates from leading insurers to help you choose the coverage that fits your car, lifestyle, and budget.
What’s the best insurance for a Honda?
Owning a Honda means driving something built for reliability and efficiency. Protecting it takes the right coverage, not just the legal minimum.
If you have a loan or lease on your Honda, your lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Jerry recommends that Honda drivers consider buying at least 100/300/100 liability with collision and comprehensive. While that’s higher than most state minimums, it’s smart protection for drivers.
No matter your lender, budget or insurer, there are plenty of coverage options that can help safeguard your Honda. Here are some of the most common ones, what they cover and why Honda drivers choose them.
Higher liability limits
Hondas are known for reliability and top IIHS safety ratings, but at-fault accidents can still be costly. About half (48%) of Jerry Honda drivers choose higher-than-minimum coverage.
Full coverage
Protects your Honda against theft, hail and damage from accidents you cause. About 40% of Jerry Honda drivers carry full coverage with comprehensive and collision for added peace of mind.
OEM parts coverage
Uses certified parts and expert repairs to keep your Honda reliable, and is usually offered for vehicles three to ten years old.
New car replacement
Provides a new Honda if yours is totaled early on. Hondas are known for safety, but even the safest cars can be totaled in a serious crash, so this coverage is a wise choice.
Roadside assistance
Covers towing, lockouts and jump-starts. It’s included for up to three years on new Hondas, though many drivers extend coverage for peace of mind.
Rental reimbursement
Covers the cost of a rental car while your Honda is in the shop. Most insurers offer 30 to 45 days of rental reimbursement, depending on your policy and state.
Gap insurance
Covers what’s left on your loan or lease if your Honda is totaled. Of all drivers, 39% add gap coverage when financing their vehicle.
Accident forgiveness
Keeps your rates from jumping after your first at-fault accident. Without it, Honda drivers see increases of over 19% on average (and sometimes a lot more).
See coverage options for your Honda.
-
Coverage definitions
4 best ways to shop for Honda insurance and lower costs
Finding the right car insurance means balancing coverage and cost. For Honda drivers, that balance can be tricky, as each model’s repair costs, safety tech and value affect how insurers price your policy.
Jerry’s experts help Honda owners keep premiums low without sacrificing the protection their cars deserve. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 39% to 66% among Honda drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Keep a clean driving record | 49% among Honda drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare quotes to find carriers with the best price
Not every insurer gets Honda pricing right. Some overestimate repair costs, while others overlook what sets Hondas apart: dependability, longevity and value. That leads to major price gaps for the same coverage, so a policy that’s pricey with one insurer could be a great deal with another.
Here’s where Honda drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Honda drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 34% | 21% |
| ROOT | 9% | 4% |
| National General Value Program | 7% | 17% |
| National General | 5% | 30% |
| Assurance America | 5% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Comparing quotes can save Honda drivers nearly a third on insurance. Jerry shows live prices from top insurers so you can see who’s offering the best deal.
Tip 2: Find hidden savings by combining discounts
Many Honda owners will qualify for several discounts, from safe driver programs to multi-policy bundles. But insurers don’t always apply them to your policy automatically.
Jerry checks every option to make sure you don’t miss an opportunity to save.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Adjust your coverage — what Honda drivers are buying
Hondas are known for their reliability and long lifespan, which means most owners go beyond the state minimums to ensure their vehicles stay protected.
Minimum
$72– $160/mo
Offers the legal minimum limits, which vary by state.
Full
$142– $309/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$180– $391/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$199– $422/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Honda drivers with newer models choose full coverage and higher liability limits. Jerry experts recommend a minimum of 100/300/100 for strong protection without breaking the bank.
Tip 4: Safe driving habits help lower Honda insurance costs
Insurance companies reward consistent and safe driving with lower rates, and even one ticket can make a difference. For Honda drivers, a single violation can raise premiums by an average of 49%. More serious offenses, like a DUI or at-fault accident, can drive costs even higher. Avoiding these incidents is one of the easiest ways to keep your insurance affordable and your options open when it’s time to renew.
Methodology
Based on drivers aged 35-44 who requested standard coverage quotes through Jerry, driving one vehicle (model years 2015 or newer), over the past 18 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Honda drivers, real savings
Want to see what Jerry can really do for Honda owners? Here are real drivers, their vehicles and the savings they found by shopping with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Honda insurance rates can vary, but Jerry makes sure you get a fair price for the coverage you need. Whether you’re insuring a new CR-V, a Civic for your daily commute or an Odyssey for your family, Jerry compares leading insurers, applies every discount and manages your policy at renewal.
That way you always have the right coverage for you, at the right price.
It only takes 2 minutes to sign up at Jerry
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
