Updated: January 15, 2025
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Driver and vehicle’s age significantly impact the cost of insurance for a Honda Passport.
A 2019 Honda Passport model costs an average of $6,289 per year for a 16-year-old driver but only $1,398 for a 40-year-old. Meanwhile, a 2022 model will only cost an average of $1,443 per year for a 40-year-old driver compared to $6,467 for a 16-year-old.
MoneyGeek ranked the top insurers by evaluating service quality, claims experience and pricing.
If you're looking for affordable insurance for a Honda Passport, here's a breakdown of the cheapest options based on the data provided:
Full Coverage Insurance
- Cheapest Insurer: State Farm
- Average Annual Premium: $1,133
- Noted for exceptional customer service and high MoneyGeek score of 90 out of 100.
- Alternative Option: GEICO
- Average Annual Premium: $1,175
- Good balance between affordability and a strong MoneyGeek score of 89 out of 100.
Minimum Coverage Insurance
- Cheapest Insurer: State Farm
- Average Annual Premium: $436
- Offers the most economical option for minimum coverage for the Honda Passport.
- More Expensive Option: Farmers
- Average Annual Premium: $748
- Highest rate among evaluated insurers for minimum coverage.
Considerations for Different Driver Profiles
- For Younger Drivers (Age 16):
- Full coverage for a 16-year-old on a 2019 Honda Passport: State Farm offers it at $3,581, much lower than **Progressive's $**8,469.
- Significant cost savings can be achieved by adding a teen to a family policy rather than getting a separate policy.
- For Older Drivers (Age 40):
- Much lower rates compared to teen drivers, with an average of $1,417 annually for a full coverage policy.
Impact of Model Year
- 2019 Honda Passport:
- Slightly cheaper full coverage insurance at approximately $1,125 annually with State Farm.
- 2022 Honda Passport:
- Costs around $1,152 annually for full coverage with State Farm.
Key Takeaway
For the most affordable insurance on a Honda Passport, State Farm consistently offers the lowest premiums for both full and minimum coverage, making it an excellent choice for cost-conscious drivers while maintaining high customer satisfaction. Always consider additional factors such as service quality and claims experience when choosing your provider.
For insuring a Honda Passport, State Farm emerges as the best car insurance provider, boasting a MoneyGeek score of 90 out of 100. The annual premium for full coverage with State Farm is the most affordable among competitors, at $1,133. This makes State Farm a reliable and cost-effective choice for Honda Passport owners, offering both competitive pricing and exceptional customer service, as indicated by their low number of customer complaints. In contrast, while other insurers like GEICO also offer competitive services with a MoneyGeek score of 89, they come at a slightly higher premium of $1,175 annually.
When it comes to car insurance premiums for a Honda Passport, age significantly affects the cost. Insurance companies often charge higher premiums for younger, inexperienced drivers due to their higher risk of being involved in accidents. As drivers age and gain more experience, this risk decreases, leading to lower insurance premiums.
Age and Insurance Premiums:
1. 16-Year-Old Driver:
- 2019 Honda Passport: The average cost for a 16-year-old driver is $6,289 annually.
- 2022 Honda Passport: The annual cost is slightly higher at $6,467.
2. 40-Year-Old Driver:
- 2019 Honda Passport: The insurance cost drops significantly to $1,398 annually.
- 2022 Honda Passport: The premium is $1,443 per year.
Why Does Age Matter?
- Higher Risk for Teens: Teenagers have limited driving experience, making them more prone to accidents. Statistically, they are also more likely to engage in risky driving behaviors. As a result, insurance premiums for teenagers are substantially higher.
- Decreased Rates Over Time: As drivers age, their risk of accidents generally decreases. By their 20s, rates typically start to decrease significantly, leveling off by their 30s and 40s. This trend is reflected in the stark difference in premiums between a 16-year-old and a 40-year-old driver.
Choosing the Right Insurer:
Choosing an insurer also affects the premium. State Farm is noted for being the cheapest provider, with rates as low as $1,133 annually for full coverage, whereas Farmers offers more expensive coverage at $1,682. Considering factors such as customer service and claims experience along with price is essential when selecting an insurer for your Honda Passport.
Tips for Teen Drivers:
Adding a teen to a family policy can reduce costs compared to getting a separate policy. For example, State Farm offers the lowest full coverage rate for a 16-year-old at $3,581 annually, whereas Progressive might charge up to $8,469. This highlights the importance of shopping around and comparing quotes.
Conclusion:
Insurance premiums for a Honda Passport vary greatly based on the driver's age, with younger drivers facing much higher costs due to their perceived higher risk. Over time, as drivers gain experience, their premiums generally decrease, making insurance more affordable. Selecting the right insurer and leveraging family policies can help manage these costs effectively.
Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze average rates for a Honda Passport.
These rates were updated to reflect the average cost of car insurance for a Honda Passport as of 2023.
The average annual rate for Honda Passport insurance is $1,452, but depending on your chosen insurer, your actual premium may differ. State Farm has the cheapest average full coverage auto insurance for the Honda Passport at $1,133 annually, while Farmers offers the most expensive average policy at $1,682 annually.
Meanwhile, minimum coverage policies for a Honda Passport may range from as little as $436 per year with State Farm to as much as $748 per year with Farmers. You can compare prices from various insurance providers to find the cheapest car insurance for your Honda Passport.
| State Farm | $1,133 |
| GEICO | $1,175 |
| Travelers | $1,322 |
| Nationwide | $1,358 |
| Progressive | $1,591 |
| Allstate | $1,672 |
| Farmers | $1,682 |
Insurance companies consider several factors when figuring out how much you will pay for insurance on your Honda Passport. Due to factors like their market value, repair costs and theft rates, some car models have lower insurance premiums than others. Compared to other vehicle models, a Honda Passport is average in price to insure due to its moderate repair costs and relative safety.
Going with the cheapest insurance plan for your Honda Passport is not always the best idea. When looking for the best car insurance providers, you should also consider the company's customer service and claims management ratings.
Here are our top picks for Honda Passport auto insurers:
The low number of customer complaints that State Farm receives attests to its exceptional customer service. It also has the most reasonable rates for the Honda Passport among all the auto insurance providers we evaluated.
Offers the most affordable insurance for your Honda Passport
Excellent customer satisfaction rating
Below average claims processing rating
Doesn’t offer New Car Replacement or Deductible Modification
State Farm is our top selection for car insurance on your Honda Passport. It is affordable and offers great customer service. Although it only provides a few coverage options and lacks some valuable add-ons, its benefits apply to most motorists.
Rental Car and Travel Reimbursement insurance will cover the damages up to the policy's limits if you have an accident while operating a rental vehicle. Under this coverage, there is a $500 payback deductible, and the company will reimburse your travel expenses up to $500. Meanwhile, Roadside Assistance will cover up to one hour's worth of repairs or locksmith services if your car breaks down or you get locked out. You will also be given towing assistance off the road or to the nearby mechanic.
Offers affordable insurance for your Honda Passport
Great customer service rating
Provides Mechanical Breakdown Insurance, Acident Forgiveness and Roadside Assistance
Below average claims processing rating
No Deductible Modification or Gap Insurance
GEICO is a solid runner-up choice for insuring your Honda Passport due to its great rates and customer service. Additionally, it offers unique benefits like Mechanical Breakdown Insurance (MBI) which, compared to most dealer warranties, will provide better protection for your Honda Passport at a lower cost. This add-on covers all components and systems, not just those the dealer covers.
GEICO also features Accident Forgiveness, which keeps your rate from rising after your first at-fault accident. This coverage is unavailable if you reside in California, Connecticut or Massachusetts. Roadside Assistance insurance covers various services, including jump starts, towing and tire changes. Rental Car Reimbursement coverage will compensate you for a rental car up to a specified limit if your automobile is immobile for more than 24 hours due to a covered accident.
The model year of the insured car can significantly impact the average cost of auto insurance. An average full coverage policy on a 2022 Honda Passport will cost $1,443 yearly, while a 2019 model will only cost $1,398. A brand-new model's insurance may be more expensive due to the elevated costs of maintenance and replacement, as well as the decline in value in older cars.
| 2022 | $1,443 |
| 2021 | $1,420 |
| 2020 | $1,408 |
| 2019 | $1,398 |
The model year of the car and the insurance provider picked can affect your average auto insurance premiums. State Farm is the cheapest insurer for the Honda Passport, from the 2019 model at an average of $1,125 per year to the 2022 model at $1,152 annually for a full coverage policy.
| State Farm | $1,152 |
| GEICO | $1,208 |
| Nationwide | $1,319 |
| Travelers | $1,332 |
| Progressive | $1,612 |
| Farmers | $1,734 |
| Allstate | $1,755 |
Teenagers’ car insurance is substantially more expensive than insurance for drivers in their 30s and 40s. A 16-year-old driver will spend $6,357 annually for full coverage insurance on a Honda Passport, while a 40-year-old will only pay $1,417 per year for the same policy. Teenagers' annual car insurance premiums typically drop as they get older, but rates typically level off once they reach their 20s.
Adding a teen driver to the family policy can be much less expensive than getting a policy on their own. State Farm offers full coverage insurance for a 16-year-old driving a 2019 Honda Passport at $3,581 yearly, while Progressive can charge up to $8,469 for the same policy. These rates are astronomical compared to similar coverage bought by policyholders in their 40s. Teenagers should enroll in their family's insurance plan and shop for the best teen auto insurance prices with their parents.
| State Farm | $3,667 |
| Nationwide | $5,128 |
| Travelers | $5,180 |
| GEICO | $5,581 |
| Allstate | $8,084 |
| Progressive | $8,525 |
| Farmers | $8,700 |
Your location may have a greater impact on the cost of your car insurance rates than your age, make and model year combined. If you live in Idaho, you may anticipate paying far less for auto insurance than someone who lives in Florida, the most expensive state for premiums. You can request quotes from your state's cheapest car insurance providers to find the most affordable insurance for your Honda Passport.
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
Cost and value are the most common concerns of drivers looking to insure their Honda Passport. To help you choose, we've listed some of the most often-asked questions below, along with our responses.
A Honda Passport's average annual insurance cost is $1,452. Compared to other car models, this vehicle is relatively moderate in price to insure. You'll save the most money if you insure your Honda Passport with State Farm, which provides a full coverage policy at an average of $1,133 annually.
We found that State Farm is the best auto insurance provider for Honda Passport. It outperforms all other companies in affordability, receiving a perfect MoneyGeek rating of 5 out of 5. It also offers excellent customer service and valuable add-ons that could help you save money on the road.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
