Updated: November 21, 2024
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A main factor affecting how much car insurance costs is age. Full coverage for a 2009 Honda Ridgeline costs $5,520 annually for 16-year-old drivers vs. $1,190 for 40-year-old drivers. A car manufactured in 2022 will cost a 16-year-old $7,051 yearly as opposed to $1,574 for a 40-year-old.
MoneyGeek compared the top insurance providers for a Honda Ridgeline using factors such as price, customer service and claims history since pricing shouldn't be the sole consideration.
Car Insurance CostsRidgelineTable of Contents
Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze average rates for a Honda Ridgeline.
These rates were updated to reflect the average cost of car insurance for a Honda Ridgeline as of 2023.
A Honda Ridgeline's average annual insurance rate for full coverage is $1,402, but insurance providers may charge differently. State Farm charges the cheapest rate of $1,115 annually for full coverage car insurance, while Farmers charges the most expensive premium of $1,712 for the same coverage.
State Farm provides the cheapest car insurance for minimum coverage at an annual cost of $473, while Farmers has the most costly insurance at an annual cost of $762. To find the best deal on car insurance, compare costs from a number of different companies.
| State Farm | $1,115 |
| GEICO | $1,135 |
| Travelers | $1,273 |
| Nationwide | $1,293 |
| Progressive | $1,464 |
| Allstate | $1,516 |
| Farmers | $1,712 |
A Honda Ridgeline costs a moderate amount to insure, having a manufacturer’s suggested retail price (MSRP) of $46,865. High-value vehicles are more expensive for maintenance in the event of an incident. You will likely pay extra for insurance due to the potential for higher repair costs.
The best auto insurance providers for a Honda Ridgeline should be chosen by considering affordability, client service and management of claims. MoneyGeek identified the top insurers for full coverage:
State Farm has the most affordable rates and second-highest customer service score of all the insurance companies we reviewed. With this insurer, you can be certain that you will get high-quality service for a reasonable price.
Top-notch customer service
Offers the most affordable average yearly insurance premium
Provides roadside assistance and rental car reimbursement
Poor management of customer claims
Has a limited selection of add-on coverages
With a MoneyGeek score of 90 out of 100, State Farm emerged as the best auto insurance for insuring a Honda Ridgeline. This insurer guarantees excellent customer service and affordability, having an average annual rate of $1,115. However, its poor management of customer claims is a drawback for policyholders who want a company that is proactive in helping them manage the claims process until completion.
State Farm offers roadside assistance, which pays for mechanical labor up to certain limits, towing for repairs, towing a car out if it’s stuck on a public road, delivery of oil, gas, tires or batteries and locksmith labor for up to an hour. You can also get rental car/travel reimbursement if you need financial assistance while your car is undergoing repairs after a covered event.
Affordable rates
Above-average rating for customer service
Mechanical breakdown insurance is available
Unsatisfactory management of customer claims
Low coverage score
No better car replacement or new car replacement
GEICO achieved a MoneyGeek rating of 90 out of 100, making it the runner-up for the best car insurance providers for a Honda Ridgeline. This insurer has an above-average customer service rating and provides the second most affordable average insurance premium at $1,135 annually. However, GEICO has a record of poor handling of claims, which may affect how they pay claims in accordance with regulations set.
Apart from standard add-on coverages, GEICO features widely accessible mechanical breakdown insurance (MBI). Compared to GEICO's MBI coverage, equivalent dealer extended warranties are priced higher and provide fewer benefits. All components and systems are protected, not just the specified list of items that most dealer warranties cover. Other coverage options available from GEICO include roadside assistance, rental car and/or travel reimbursement, accident forgiveness and antique/classic car insurance.
Among the variables that affect the average price of auto insurance is the age of the car. Recent models could cost more to insure because a car's value depreciates as time goes by. Insuring a Honda Ridgeline with full coverage costs $1,190 per year for a model from 2009 and $1,574 per year for a vehicle from 2022.
| 2022 | $1,574 |
| 2021 | $1,544 |
| 2020 | $1,494 |
| 2019 | $1,494 |
| 2018 | $1,471 |
| 2017 | $1,402 |
| 2016 | $1,357 |
| 2015 | $1,341 |
| 2014 | $1,298 |
| 2013 | $1,271 |
| 2012 | $1,245 |
| 2011 | $1,199 |
| 2010 | $1,207 |
| 2009 | $1,190 |
The average car insurance premium varies by company. For a 2009 Honda Ridgeline, State Farm is the most affordable at $885 for full coverage. Nationwide has the cheapest coverage at $1,185 for a 2022 model.
| Nationwide | $1,185 |
| GEICO | $1,275 |
| State Farm | $1,315 |
| Travelers | $1,386 |
| Progressive | $1,664 |
| Farmers | $1,990 |
| Allstate | $2,189 |
Insurers consider your age when calculating the cost of insurance. Teenagers usually pay more for car insurance than drivers who are between the ages of 30 and 40. For a 16-year-old driving a Honda Ridgeline, the average price for full coverage teen car insurance is $6,210 vs. $1,363 for a 40-year-old. The rate of teen drivers significantly declines each year until it stabilizes in their 20s.
To get the most affordable insurance policies for a Honda Ridgeline, it’s important for teens to evaluate insurance companies. State Farm costs $4,232 for an individual full coverage policy for a 16-year-old driver, while Allstate costs $9,956 for the same coverage. To save on teen car insurance, teens should try to join their parent’s plan instead of getting their own coverage. This can also help them secure coverage since teens under 18 may need a parent’s consent to get insurance.
| State Farm | $4,232 |
| Nationwide | $4,465 |
| Travelers | $5,460 |
| GEICO | $5,997 |
| Progressive | $8,793 |
| Farmers | $9,905 |
| Allstate | $9,956 |
Beyond your Honda Ridgeline’s model year and your age, your location also impacts your auto insurance. The state with the most expensive average rates is Florida, whereas Idaho has the cheapest rates. Knowing what companies have the cheapest costs will enable you to request estimates from them.
| 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 |
Considerations regarding cost and value frequently surface while searching for car insurance. We answered frequently asked questions about insuring a Honda Ridgeline below.
The full coverage annual insurance rate for a Honda Ridgeline is $1,402, which is lower than the $2,415 average for all other models. The cheapest insurance rate for this model is provided by State Farm, costing around $1,115 annually.
Honda Ridgeline drivers should choose State Farm if they want the best car insurance. For its inexpensive price and high level of service, it earned a 90 out of 100 rating from MoneyGeek.
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.
