Honda Ridgeline full coverage insurance costs range from $1,054 to $5,961 annually, depending on factors like model year, driver's age, location, driving record and insurer. This article breaks down Honda Ridgeline insurance costs and coverage, providing insights into the best and most affordable insurers.
Honda Ridgeline Insurance Cost
Updated: March 18, 2025
Key Takeaways
State Farm provides the most affordable minimum coverage across all Honda Ridgeline model years, with an annual average cost of $473.
For a Honda Ridgeline, the average yearly cost for minimum coverage is $596, while full coverage is $1,359.
MoneyGeek analyzed data and 4,183 Honda Ridgeline quotes, ensuring a comprehensive overview of insurance costs.
Honda Ridgeline Insurance Rates
What Is the Average Honda Ridgeline Car Insurance Cost?
The average full coverage insurance cost for a Honda Ridgeline is $113 per month or $1,359 per year, based on a 40-year-old male with a clean driving record. Minimum coverage costs around $50 monthly or $596 annually.
| Minimum Coverage | $596 |
| Full Coverage | $1,359 |
Honda Ridgeline Insurance Costs by Company
Honda Ridgeline insurance costs range from $1,091 to $1,956 per year, varying by age, model year and coverage level. The table below compares these rates with average insurance rates for all vehicles from several national and mid-size providers.
| Allstate | $1,598 | $1,812 | -12% |
| Auto-Owners | $1,105 | $1,227 | -10% |
| Farmers | $1,812 | $1,956 | -7% |
| GEICO | $1,152 | $1,333 | -14% |
| Kemper | $1,956 | $2,213 | -12% |
| Nationwide | $1,375 | $1,589 | -13% |
| Progressive | $1,526 | $1,744 | -12% |
| State Farm | $1,157 | $1,269 | -9% |
| Travelers | $1,318 | $1,523 | -13% |
| USAA | $1,091 | $1,200 | -9% |
Read more: Best Car Insurance Companies
Cost of Insuring a Honda Ridgeline by Model Year
The year your Honda Ridgeline was produced can affect your insurance rates, with older models usually costing less. For example, a 2022 model has an annual full coverage rate of $1,561, while it's as low as $1,178 for a 2009 model. Below are the average full and minimum coverage rates for each production year.
| 2022 | $582 | $1,561 |
| 2021 | $587 | $1,543 |
| 2020 | $572 | $1,521 |
| 2019 | $601 | $1,506 |
| 2018 | $608 | $1,484 |
| 2017 | $591 | $1,438 |
| 2016 | $595 | $1,391 |
| 2015 | $625 | $1,344 |
| 2014 | $630 | $1,297 |
| 2013 | $630 | $1,269 |
| 2012 | $628 | $1,241 |
| 2011 | $603 | $1,221 |
| 2010 | $626 | $1,199 |
| 2009 | $624 | $1,178 |
Honda Ridgeline Insurance Costs by Driver Age
Honda Ridgeline insurance rates vary greatly depending on the driver's age. For example, 16-year-olds pay $5,961 annually for full coverage, while 40-year-olds pay only $1,371. Below are the average minimum and full coverage rates for Honda Ridgeline drivers of different ages.
| 16 | $2,795 | $5,961 |
| 17 | $2,263 | $4,840 |
| 18 | $1,974 | $4,260 |
| 19 | $1,401 | $3,030 |
| 20 | $1,258 | $2,756 |
| 21 | $996 | $2,218 |
| 22 | $908 | $2,040 |
| 23 | $843 | $1,905 |
| 24 | $799 | $1,813 |
| 25 | $710 | $1,624 |
| 26 | $693 | $1,573 |
| 27 | $676 | $1,539 |
| 28 | $665 | $1,515 |
| 29 | $654 | $1,494 |
| 30 | $632 | $1,441 |
| 35 | $614 | $1,396 |
| 40 | $607 | $1,371 |
| 45 | $602 | $1,354 |
| 50 | $588 | $1,313 |
| 55 | $573 | $1,277 |
| 60 | $573 | $1,273 |
| 65 | $609 | $1,316 |
| 70 | $662 | $1,408 |
| 75 | $736 | $1,544 |
| 80 | $834 | $1,718 |
| 85 | $902 | $1,845 |
| 90 | $953 | $1,933 |
Honda Ridgeline Insurance Rates Explained
A driver's auto insurance rates depend on their profile and vehicle-specific factors like age, make, model, safety features and repair costs. Below is a breakdown of these car-related cost factors.
Honda Ridgeline Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Honda Ridgeline
Average Full Coverage Rate
$1,359Premiums for Honda Ridgeline are:$63 more
This is 5% more expensive.
Value
The Honda Ridgeline's MSRP of $47,745 influences insurance costs, as higher-priced vehicles often result in higher premiums.
Repair costs
The Honda Ridgeline's annual repair cost is $502, below the national average. Lower repair expenses can help reduce insurance premiums.
Performance
With 280 horsepower and a 0-to-60 time of 6 seconds, the Honda Ridgeline isn't classified as a high-performance vehicle, potentially lowering insurance costs.
Vehicle age
Newer Honda Ridgelines are typically more expensive to insure than older ones.
Safety features
The Honda Ridgeline's safety features, such as stability control and airbags, along with its 5 out of 5 safety rating, can qualify it for insurance discounts.
Vehicle size
Larger vehicles like the Honda Ridgeline, with a curb weight of 4,504 lbs, may have higher insurance costs due to their potential for increased property damage.
Trim level
Higher trim levels, like the Honda Ridgeline TrailSport or Sport Plus, come with premium upgrades and a higher MSRP, leading to increased insurance costs compared to the base model.
Theft rates
Vehicles at higher theft risk often incur higher insurance costs. However, the Honda Ridgeline's theft frequency of 89 likely has a minimal impact on its rates.
Cheapest Honda Ridgeline Insurance
State Farm offers the most affordable rate for Honda Ridgeline insurance at $473 per year, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest car insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Honda Ridgeline Insurance by Coverage Level
Choosing your coverage level greatly affects your Honda Ridgeline insurance rate. State Farm offers the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for each coverage type.
Cheapest Honda Ridgeline Minimum Coverage
State Farm offers the cheapest minimum coverage for a Honda Ridgeline at $39 monthly. GEICO follows at $43, Travelers at $48, and Nationwide and Allstate at $53.
| USAA | $36 | $427 |
| State Farm | $39 | $473 |
| GEICO | $43 | $512 |
| Travelers | $48 | $579 |
| Nationwide | $53 | $631 |
| Allstate | $53 | $638 |
| Progressive | $54 | $648 |
| Farmers | $60 | $726 |
*State Farm offers non-military-affiliated Honda Ridgeline owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Honda Ridgeline Insurance Rates by Model Year
Since the above list doesn't account for model production year, lower rates may be available depending on your vehicle's age. Filter the table below to find the cheapest minimum coverage rates for every Honda Ridgeline production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $647 | $54 |
| Farmers | $752 | $63 |
| GEICO | $535 | $45 |
| Nationwide | $652 | $54 |
| Progressive | $698 | $58 |
| State Farm | $443 | $37 |
| Travelers | $659 | $55 |
| USAA | $445 | $37 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Honda Ridgeline Insurance
State Farm offers the most affordable full coverage for a Honda Ridgeline at $93 monthly or $1,118 annually. Below is a complete list of full coverage insurance providers and rates.
| USAA | $88 | $1,054 |
| State Farm | $93 | $1,118 |
| GEICO | $94 | $1,126 |
| Nationwide | $108 | $1,294 |
| Travelers | $108 | $1,300 |
| Progressive | $121 | $1,453 |
| Allstate | $127 | $1,520 |
| Farmers | $140 | $1,684 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Honda Ridgeline owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Honda Ridgeline Insurance by Age
Younger drivers (16 to 25) and seniors (55+) often pay more for Honda Ridgeline insurance. Below is a breakdown of the cheapest options by age.
Cheapest Honda Ridgeline Insurance for Young Drivers
For Honda Ridgeline drivers aged 16 to 25, State Farm offers the cheapest insurance at $86 monthly or $1,036 annually for minimum coverage. Below is the complete list of affordable car insurance rates for young drivers.
| USAA | $74 | $885 |
| State Farm | $86 | $1,036 |
| Travelers | $101 | $1,217 |
| GEICO | $103 | $1,232 |
| Allstate | $124 | $1,490 |
| Nationwide | $137 | $1,649 |
| Progressive | $150 | $1,803 |
| Farmers | $165 | $1,982 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Honda Ridgeline Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up, starting at $43 monthly or $520 annually. See the full list of affordable Honda Ridgeline insurers below.
| State Farm | $43 | $520 |
| USAA | $47 | $568 |
| GEICO | $51 | $614 |
| Travelers | $58 | $699 |
| Nationwide | $62 | $739 |
| Allstate | $65 | $781 |
| Progressive | $69 | $829 |
| Farmers | $81 | $968 |
Cheapest Honda Ridgeline Insurance After an Accident
State Farm, GEICO and Travelers offer Honda Ridgeline drivers the cheapest car insurance after an accident. For more options, check the complete list below.
| State Farm | $49 | $593 |
| USAA | $54 | $651 |
| GEICO | $67 | $808 |
| Travelers | $69 | $827 |
| Allstate | $72 | $864 |
| Nationwide | $80 | $965 |
| Progressive | $88 | $1,054 |
| Farmers | $121 | $1,449 |
Honda Ridgeline Insurance Cost: Bottom Line
Regularly compare car insurance rates to find the most affordable option. This article covers Honda Ridgeline insurance costs across demographics and highlights the cheapest providers.
Honda Ridgeline Insurance Rates: FAQ
Below are answers to common questions about Honda Ridgeline insurance costs, helping you understand options like state minimum and affordable coverage.
What company has the cheapest car insurance for a Honda Ridgeline?
State Farm is the cheapest car insurance provider for a Honda Ridgeline, with an annual minimum coverage rate of $473.
What is the average cost of car insurance for a Honda Ridgeline?
The average annual cost of minimum coverage for a Honda Ridgeline is $596. Full coverage averages $1,359.
Honda Ridgeline Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Honda Ridgeline insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Honda Ridgeline:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Honda Ridgeline insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Honda Ridgeline.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.