Over the last year, Jerry has helped 80926 Honda drivers shop for car insurance. With real data from thousands of Honda owners, we know what drivers actually pay — and what they should be paying — for coverage at every level.
The best prices Jerry has found for Honda car insurance are:
$1,019 per year for basic coverage, $2,704 per year for standard full coverage, $2,924 per year for premium full coverage protection.
Now, these numbers are just a starting point. Your actual rate depends on factors like which Honda you drive, your driving record, and where you live. On average, Honda drivers pay $2,078 and $4,444 per year for full coverage, with the average being $3,785, which is near the national average of $3,819.
Jerry’s technology pulls real-time data from thousands of policies to show you what’s fair, then helps you lock in the right protection for your Honda at a great price.
How much should I expect to pay for my Honda?
No two drivers pay exactly the same premium, but Jerry makes it simple to see what Honda owners like you are spending right now.
|
Model
|
Driver from
|
Date of quote
|
Monthly quote
|
Savings
|
|---|
|
Model
|
Driver from
|
Date of quote
|
Monthly quote
|
Savings
|
|---|---|---|---|---|
| Civic | San Jose, CA | 10/13/25 | $228 | 52% |
| Civic | Morgantown, WV | 10/13/25 | $164 | 13% |
| Cr-v | Cerritos, CA | 10/13/25 | $292 | 9% |
| Civic | Orem, UT | 10/13/25 | $148 | 7% |
| Accord | Davenport, FL | 10/13/25 | $174 | 33% |
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 see rates that differ by hundreds of dollars. Jerry benchmarks your situation in minutes so you reduce your chances of overpaying.
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
What’s the best insurance for a Honda?
Whether you’re driving a Civic sedan, a CR-V SUV or a Ridgeline pickup, the best insurance isn’t just about finding the lowest rate. It’s about keeping your Honda properly protected and making sure repairs are handled with quality parts and service when you need them most.
Here’s what smart Honda owners prioritize when choosing a policy:
- Higher liability limits: Even smaller, fuel-efficient cars can cause costly damage in an at-fault accident. To ensure they’re not underinsured, some Honda drivers carry added liability coverage. This might mean 100/300/100 limits, which includes bodily injury liability of $100,000 per person and $300,000 per accident, as well as property damage liability of $100,000 per accident.
- Comprehensive and collision: Together, these cover nearly any type of damage to your Honda. With many Honda models being daily drivers, these coverages provide peace of mind against both collisions and unexpected events like theft or storm damage.
- OEM parts coverage: If you file a covered claim, this coverage ensures that any repairs are made with genuine Honda parts, not cheaper aftermarket versions that could reduce performance or resale value.
- New car replacement: If a newer Honda is totaled in the first couple of years, this add-on replaces it with a brand-new model instead of just paying the depreciated market value.
- Roadside assistance: For a low monthly cost, roadside assistance provides towing, jump-starts, fuel delivery and lockout help. This is especially useful for commuters, students and families who rely on their car daily.
- Rental reimbursement: Covers the cost of a rental car while your Honda is being repaired after a covered claim, keeping your daily routine uninterrupted.
- Gap insurance: If you’re financing or leasing, gap insurance coverage pays the difference between your Honda’s actual cash value (ACV) and what you still owe if it’s totaled.
- Strong claims service: A cheap rate won’t matter if filing a claim and using your coverage is a headache. Jerry highlights top insurers known for fast, fair claims handling so you can choose your provider with confidence.
Key takeaway: The best Honda insurance blends affordability with strong protection, pairing solid liability limits with extras like roadside assistance, rental reimbursement and gap coverage when you need them.
4 ways Honda drivers can lower insurance costs right now
Jerry’s expert agents recommend these proven strategies to help Honda owners reduce premiums without sacrificing the coverage they rely on.
| How to save | Average savings among Honda drivers |
|---|---|
| Compare quotes | 39% to 66% |
| Stack discounts | 26% to 49% |
| Adjust coverage | 7% to 61%* |
| Keep a clean driving record | 49% |
*Among all Jerry drivers nationwide.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
*Among all Jerry drivers nationwide.
Tip 1: Compare quotes to find carriers with the best price
Insurers don’t all treat Honda coverage the same. A policy that’s expensive at one company may be much cheaper at another. Here’s where Honda drivers who saved actually switched last year after using Jerry to shop rates.
| Carrier | % of Honda drivers who switched | Average savings with Jerry |
|---|---|---|
| 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: Shopping with multiple carriers can lower your premiums by as much as a third. Jerry compares rates in minutes so you always see which insurer has the best deal for you.
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 a single opportunity to save.
| Discount | Average savings for Honda drivers | Best savings we've found |
|---|---|---|
| Homeowner discount (even without bundling) | 4% | 9% |
| Use the Good Driver discount | 15% | 26% |
| Safety features installed in vehicle | 2% | 7% |
| Buy your policy early (advance quote) | 3% | 5% |
| Go paperless | 2% | 3% |
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: Combining two or more discounts can lower your premium more effectively than just adjusting your coverages and limits.
Tip 3: Adjust your coverage — what other 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.
State minimum (per month): $74 to $156
Offers the state-mandated minimum coverage
State minimum + full coverage (per month): $144 to $308
Adds collision and comprehensive
Standard (per month): $180 to $388
Coverages vary by state. May increase liability, add uninsured/underinsured motorist, medical payments, towing, rental coverages.
Preferred (per month): $203 to $422
Coverages vary by state. May raise liability further, lower deductibles, increase medical payments, towing/rental 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: Many drivers with newer models choose full coverage, and opting for higher coverages may reduce unexpected expenses.
Tip 4: Safe driving habits can help lower your Honda insurance costs
Traffic violations and accidents can follow you for years, and insurers factor them directly into your rates. Even a single ticket can bump your premium, while major violations — like a DUI or at-fault accident — can lead to substantial increases. Jerry found that Honda drivers with violations or at-fault accidents saw average increases of 49% over drivers with clean records. Driving carefully day to day is one of the most effective ways to avoid these extra costs.
Things like speeding, distracted driving, failing to yield or reckless behavior behind the wheel can all impact your record. By keeping a clean history, you’ll not only stay safer on the road but also helps keep your insurance rates steady over time.
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 and 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.
|
Model
|
Driver from
|
Policy date
|
Old rate
|
New rate
|
Annual savings
|
|---|
|
Model
|
Driver from
|
Policy date
|
Old rate
|
New rate
|
Annual savings
|
|---|---|---|---|---|---|
| Civic | San Jose, CA | 10/13/25 | $5,676 | $2,734 | $2,942 |
| Civic | Morgantown, WV | 10/13/25 | $2,280 | $1,973 | $307 |
| Cr-v | Cerritos, CA | 10/13/25 | $3,840 | $3,506 | $334 |
| Civic | Orem, UT | 10/13/25 | $1,920 | $1,778 | $142 |
| Accord | Davenport, FL | 10/13/25 | $3,120 | $2,088 | $1,032 |
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 so you never overpay.
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.
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.
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.
