2013 Honda Ridgeline Car Insurance Calculator

Learn visually how the choices you make affect the cost of insurance for a 2013 Honda Ridgeline. Change driving record, coverage levels, mileage driven, and vehicle usage plus many other factors. Instantly know if the selections you make raise or lower your rate.

The average estimated car insurance premium for a 2013 Honda Ridgeline is $1,426 per year, or about $119 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,426

Cost Per Month

$119

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Honda Ridgeline Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2013 Honda Ridgeline.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,426
Average Rate
Your Rate
$1,426

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2013 Honda Ridgeline trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 Honda Ridgeline is $1,426.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 Honda Ridgeline vs. the Midsize Truck Segment

The table below compares insurance rates for the 2013 Honda Ridgeline against all other models in the midsize truck segment. The Honda Ridgeline is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Honda Ridgeline, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Honda Ridgeline.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 Honda Ridgeline Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Nissan Frontier$1,232-$194
2013 Midsize Truck Average$1,349-$77
2Toyota Tacoma$1,388-$38
3Honda Ridgeline$1,426--

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 Ridgeline Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Honda Ridgeline.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 Honda Ridgeline Insurance Rates by Trim Level
2013 Honda Ridgeline Trim Level Annual Premium Cost Per Month
RT 4WD$1,366$114
RTS 4WD$1,404$117
Sport 4WD$1,404$117
RTL 4WD$1,458$122
RTL w/Navigation 4WD$1,498$125

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Honda Ridgeline for different driver ages.

2013 Honda Ridgeline Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,341$445
17$5,097$425
18$4,418$368
19$4,075$340
20$3,078$257
21$2,933$244
22$2,599$217
23$2,179$182
24$2,037$170
25$1,650$138
30$1,502$125
35$1,470$123
40$1,426$119
45$1,342$112
50$1,280$107
55$1,196$100
60$1,198$100
65$1,274$106
70$1,410$118
75$1,698$142
80$2,104$175

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Honda Ridgeline trim levels.