Honda Insurance Cost
Across 10 current Honda models, full coverage averages about $1,460 a year by our estimate — −8% versus the average vehicle ($1,590).
Honda insurance profile
Honda’s lineup is made up mostly of 3 midsize suvs, 2 small suvs, and 1 sports car. HLDI collision losses for its models average 88 (100 = all-vehicle average).
Every Honda model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Pilot | Midsize SUV | 2005–2026 | 66 | $1,160 | −27% |
| CR-V | Small SUV | 2005–2027 | 63 | $1,200 | −25% |
| Passport | Midsize SUV | 2019–2026 | 72 | $1,255 | −21% |
| Odyssey | Minivan | 2005–2027 | 80 | $1,280 | −19% |
| Ridgeline | Pickup truck | 2006–2026 | 77 | $1,350 | −15% |
| HR-V | Small SUV | 2016–2027 | 85 | $1,465 | −8% |
| Prologue | Midsize SUV | 2024–2026 | 116 | $1,520 | −4% |
| Accord | Midsize car | 2005–2026 | 109 | $1,680 | +6% |
| Civic | Compact car | 2005–2026 | 121 | $1,790 | +13% |
| Prelude | Sports car | 2026–2027 | — | $1,895 | +19% |
Older and discontinued Honda models
What makes Honda insurance cost more or less
- EV batteries: 1 electric model — battery packs and high-voltage components are costly to repair or replace after a crash.
- Theft: CR-V (#9), Accord (#2), and Civic (#5) on the NICB national most-stolen list push comprehensive premiums up.
- Claims history: HLDI collision indices across 9 models range from 63 to 121, so the model you pick matters as much as the brand.
- Segment mix: 3 midsize suv, 2 small suv, 1 sports car, 1 minivan, 1 pickup truck, 1 midsize car, 1 compact car.
Average Honda insurance cost by state
Average full-coverage estimate across current Honda models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $941 | −36% |
| North Dakota | $945 | −35% |
| Vermont | $960 | −34% |
| Iowa | $1,002 | −31% |
| Idaho | $1,003 | −31% |
| Wisconsin | $1,009 | −31% |
| Hawaii | $1,020 | −30% |
| Indiana | $1,050 | −28% |
| New Hampshire | $1,052 | −28% |
| Ohio | $1,056 | −28% |
| North Carolina | $1,102 | −24% |
| South Dakota | $1,127 | −23% |
| Wyoming | $1,151 | −21% |
| Montana | $1,177 | −19% |
| Kansas | $1,179 | −19% |
| Nebraska | $1,182 | −19% |
| Tennessee | $1,226 | −16% |
| Minnesota | $1,231 | −16% |
| West Virginia | $1,233 | −16% |
| Kentucky | $1,243 | −15% |
| Virginia | $1,270 | −13% |
| Illinois | $1,281 | −12% |
| Alabama | $1,286 | −12% |
| Washington | $1,286 | −12% |
| Pennsylvania | $1,290 | −12% |
| Alaska | $1,294 | −11% |
| Arkansas | $1,302 | −11% |
| New Mexico | $1,325 | −9% |
| Oregon | $1,326 | −9% |
| Oklahoma | $1,329 | −9% |
| Missouri | $1,340 | −8% |
| Utah | $1,341 | −8% |
| Mississippi | $1,411 | −3% |
| California | $1,449 | −1% |
| Massachusetts | $1,453 | 0% |
| Arizona | $1,548 | +6% |
| Connecticut | $1,570 | +8% |
| South Carolina | $1,578 | +8% |
| Michigan | $1,609 | +10% |
| Delaware | $1,649 | +13% |
| Maryland | $1,658 | +14% |
| Colorado | $1,675 | +15% |
| Nevada | $1,696 | +16% |
| Texas | $1,748 | +20% |
| New Jersey | $1,779 | +22% |
| Rhode Island | $1,785 | +22% |
| Georgia | $1,828 | +25% |
| District of Columbia | $1,862 | +28% |
| New York | $1,982 | +36% |
| Louisiana | $2,042 | +40% |
| Florida | $2,108 | +44% |
Frequently asked questions
How much does it cost to insure a Honda?
Across 10 current Honda models, our full-coverage estimate averages $1,460 a year for a driver in their 30s with a clean record, 8% less than the average vehicle ($1,590).
What is the cheapest Honda to insure?
The Honda Pilot has the lowest estimate at about $1,160 a year for full coverage; the Honda Prelude is the most expensive at about $1,895.
Are Honda repairs expensive for insurers?
HLDI collision-loss data for 9 Honda models averages 88 (100 = average of all vehicles), which is better than average. Collision losses combine how often claims happen and how much repairs cost.
Are Honda vehicles often stolen?
the Honda CR-V (#9), the Honda Accord (#2), and the Honda Civic (#5) appear on the NICB national most-stolen list, which raises comprehensive premiums.
Where is it cheapest to insure a Honda?
By our estimates, Maine is the cheapest state (about $941 a year on average across current models) and Florida the most expensive (about $2,108).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.