The Cost to Insure a Honda — and Which Model Is Cheapest

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
{"id":6,"isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"customEventLabel":"","defaultZip":"","defaultProduct":"auto","quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","trackingKey":"_cost-of-honda-car-insurance","title":"Find the Cheapest Auto Insurance Quotes in Your Area","vendor":"vp"}

The average annual price to insure a recent Honda is $2,151. However, we found that the price of insurance can vary meaningfully by model: A Honda Civic costs $435 more per year to insure than a Honda Odyssey.

Honda car insurance: by model

Looking to buy a new Honda? Here's the average price of coverage for a year of car insurance. Or, see the model-by-model breakdown below for more information.

2019 ModelAnnual insurance cost
2019 Accord LX$2,374
2019 Civic LX$2,502
2019 Civic Type R$2,402
2019 CR-V LX$2,167
2019 Fit LX$2,230
2019 Insight LX$1,901
2019 Odyssey LX$2,070
2019 Pilot LX$2,225
2019 Ridgeline RT$2,320

Honda Accord insurance costs

Honda Accord

On average, it costs $2,163 per year to insure a Honda Accord owned by a 30-year-old man across the 2014 to 2019 model years. However, drivers of newer Hondas can expect to pay more: It costs $2,374 to insure a 2019 Accord, 19% more than a 2014 model. We also found that an 18-year-old can expect to pay higher rates: $7,681 per year, on average.

Year and modelAnnual cost for 30-year-old driverAnnual cost for 18-year-old driver
2019 Honda Accord$2,374$8,380
2018 Honda Accord$2,271$8,063
2017 Honda Accord$2,173$7,706
2016 Honda Accord$2,102$7,455
2015 Honda Accord$2,061$7,341
2014 Honda Accord$1,998$7,143
Average$2,163$7,681

Insurance for a Honda Accord is moderately expensive. Honda's larger sedan was the fourth most expensive Honda model in our analysis and cost $8 more than the overall average price we found for Honda insurance, $2,151. Coverage for the Accord was $206 cheaper than Honda's other sedan, the Civic, even though the Accord is a larger, more expensive car.

Honda Civic insurance costs

Honda Civic

The average price we found for a 30-year-old owner of a Honda Civic is $2,370, or a monthly payment of $197.50. Despite its reputation as a safe, affordable car, the Civic is the most expensive Honda car to insure. The most expensive model of Civic to insure is a 2019 edition: Policies cost $2,502 per year. That's 6% more than the average Civic.

Year and modelAnnual cost for 30-year-old driverAnnual cost for 18-year-old driver
2019 Honda Civic$2,502$8,844
2018 Honda Civic$2,474$8,727
2017 Honda Civic$2,413$8,546
2016 Honda Civic$2,347$8,321
2015 Honda Civic$2,190$7,821
2014 Honda Civic$2,291$8,146
Average$2,370$8,401

Among the five insurers we looked at, State Farm had the cheapest quotes for a Honda Civic, with an average annual rate of $1,642. However, we always recommend checking the prices at several insurers when buying insurance, as where you live and your driving history can make a substantial difference in the amount you'll pay for car insurance.

You can also limit how expensive insurance for a Honda Civic is by reducing or removing collision and comprehensive coverages. These protections pay to repair your car if it’s damaged, but they can be expensive to maintain. Collision and comprehensive coverage are not legally required, so you can increase the deductible on them, or remove them entirely, to reduce your insurance bill. However, lending companies often require you to keep them as a condition of your lease or loan, so this may not be an option until you've paid off your car.

Honda Civic Type R insurance costs

Honda Civic Type R

Honda's high-performance variant of the Civic, the Civic Type R, comes with a powerful turbocharged engine and a variety of other performance upgrades. Surprisingly, we found that this car's more powerful specs didn't lead to higher insurance costs. Across the 2018 and 2019 model years, the Civic Type R costs an average of $2,345 per year to insure. That's $144 less per year to insure than the cost to insure the same years of a regular Civic.

Year and modelAnnual cost for 30-year-old driverAnnual cost for 18-year-old driver
2019 Honda Civic Type R$2,402$8,570
2018 Honda Civic Type R$2,287$8,081
Average$2,345$8,326

Unfortunately, Type R insurance is much more expensive for younger drivers. An 18-year-old who wants to drive this high-performance car can expect to pay an average of $8,326 for a year of coverage. These costs are a result of the combination of a powerful engine and its use in the hands of a less experienced driver, who may not be as comfortable behind the wheel as an older person, especially because the Civic Type R is only available as a manual transmission.

Honda CR-V insurance costs

Honda CR-V

The average cost of insurance for a Honda CR-V is $2,003 for a one-year policy for a 30-year-old driver. The cost to insure a CR-V is actually among the leastexpensive of the current Honda lineup — it's secondcheapest overall behind the Odyssey minivan and about 5% cheaper than the price for Honda's full-size SUV, the Pilot. With an MSRP of $24,350 for the 2019 CR-V LX, the cost of a CR-V is also $7,100 cheaper than the cost of a new Honda Pilot.

Year and modelAnnual cost for 30-year-old driverAnnual cost for 18-year-old driver
2019 Honda CR-V$2,167$7,298
2018 Honda CR-V$2,110$7,306
2017 Honda CR-V$2,022$7,154
2016 Honda CR-V$1,920$6,797
2015 Honda CR-V$1,900$6,765
2014 Honda CR-V$1,897$6,742
Average$2,003$7,010

Honda Fit insurance costs

Honda Fit

The Fit is Honda's smallest, most affordable car, but with an annual premium of $2,117, it's about average in terms of insurance costs — just $34 less than the average across all models.

The older the model of Honda Fit you own, the cheaper it is to insure. We found that for each previous model year, the cost to insure that car decreases by about $50 — a driver of a five-year-old 2015 Fit saves $204 compared to a driver of a 2019 model.

Year and modelAnnual cost for 30-year-old driverAnnual cost for 18-year-old driver
2019 Honda Fit$2,230$7,990
2018 Honda Fit$2,165$7,697
2017 Honda Fit$2,105$7,488
2016 Honda Fit$2,058$7,322
2015 Honda Fit$2,026$7,235
Average$2,117$7,546

Teenagers can expect to pay much more for Fit coverage than an adult driver. The average price for a one-year Honda Fit insurance policy for an 18-year-old is $7,546, or 3.6 times more than a 30-year-old can expect to pay.

One of the best ways to reduce a car insurance bill for a teen is to share a policy with an older family member. We've found that the cost to insure a teen by themselves is almost always substantially higher than the price of adding them to an existing policy.

Honda Insight insurance costs

Honda Insight

Reintroduced in 2019 after a four-year hiatus, the Insight hybrid sedan costs an average of $2,043 to insure annually across the two most recent years it was available (2014 and 2019). Honda's answer to the Toyota Prius has the lowest prices we found among Honda sedans. However, its MSRP of $22,930 makes it the second most expensive Honda sedan, behind the Accord.

Year and modelAnnual premiums for 30-year-oldAnnual premiums for 18-year-old
2019 Honda Insight$1,901$6,865
2014 Honda Insight$2,185$7,812
Average$2,043$7,339

We have found that owning a hybrid car like the Honda Insight or Chevy Spark can result in an increase in the rates you'll pay for car insurance, likely because adding a battery to a car engine makes it more complicated and expensive to repair. However, the extra costs in insurance premiums may be offset by lower fuel prices.

Honda Odyssey insurance costs

Honda Odyssey

The average annual price for insuring a Honda Odyssey is $1,934, equivalent to about $161 per month — the cheapest to insure out of all the Honda models we surveyed. It's also $177 cheaper to insure per year than the Honda Pilot, the only other Honda vehicle with three rows of seating.

Year and modelAnnual cost for 30-year-old driverAnnual cost for 18-year-old driver
2019 Honda Odyssey$2,070$7,269
2018 Honda Odyssey$1,979$6,979
2017 Honda Odyssey$1,937$6,829
2016 Honda Odyssey$1,902$6,695
2015 Honda Odyssey$1,883$6,647
2014 Honda Odyssey$1,833$6,462
Average$1,934$6,814

The 2014 and 2015 models of Honda Odyssey tied for the cheapest model year to insure, at an annual rate of $1,833. This makes each model 11%cheaper to cover than the 2019 version. These two models were also the leastexpensive Hondas to insure in our study overall.

Honda Pilot insurance costs

Honda Pilot

The Pilot, Honda's largest SUV and the most expensive Honda model we looked at, costs $2,111 on average to insure per year. Despite the car's high purchase price, its insurance rates are about in the middle — it costs $40 less per year to insure a Pilot than the average vehicle we surveyed.

Year and modelAnnual cost for 30-year-old driverAnnual cost for 18-year-old driver
2019 Honda Pilot$2,225$7,779
2018 Honda Pilot$2,149$7,517
2017 Honda Pilot$2,113$7,424
2016 Honda Pilot$2,054$7,250
2015 Honda Pilot$2,010$7,124
2014 Honda Pilot$2,113$7,516
Average$2,111$7,435

Unlike most Hondas we looked at, the price of Pilot insurance doesn't uniformly decrease as the vehicle gets older. The 2015 Pilot actually costs $103 less per year to insure than the older 2014 model. Sometimes, improved safety features can reduce the cost to insure a newer model of vehicle.

Honda Ridgeline insurance costs

Honda Ridgeline

In our survey, we found that the Ridgeline, Honda's only pickup truck, costs an average of $2,274 to insure per year. However, a younger driver can expect to pay much more: The average price for an 18-year-old to insure a Ridgeline is $7,974 — 3.4 times as expensive as for a 30-year-old driver.

Year and modelAnnual cost for 30-year-old driverAnnual cost for 18-year-old driver
2019 Honda Ridgeline$2,320$8,145
2018 Honda Ridgeline$2,253$7,889
2017 Honda Ridgeline$2,250$7,888
Average$2,274$7,974

The Ridgeline was reintroduced in 2017 after a brief hiatus, so there are no 2016 Ridgeline models. We didn't find a substantial price difference between the last three years of Ridgeline models, however. A brand-new 2019 Ridgeline only costs 3% more per year to insure than a 2017 model.

Methodology

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

We compared rates for the eight most popular Honda models across five national insurers. We used two sample driver profiles in our study: an 18-year-old male and a 30-year-old male. Both drivers live in Austin, Texas, and have clean driving records. All insurance quotes are priced annually and have the following limits:

CoverageLimit
Liability, bodily injury$50,000/$100,000
Property damage liability$50,000.00
Uninsured motorist / Underinsured motorist BINo coverage
Uninsured motorist / Underinsured motorist PDNo coverage
Medical coverageNo coverage
Personal injury protectionNo coverage
Comprehensive$500 deductible
Collision$500 deductible
All other coverages (e.g., towing and loss of use)No coverage

Comments and Questions

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.