Honda Ridgeline Insurance Cost [2022 Rates + Rankings]

How much does Honda Ridgeline car insurance cost? We analyze average rates from the Sport model up to the Black Edition to see how prices compare to all other midsize trucks.

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How much does Honda Ridgeline car insurance cost?

Honda Ridgeline insurance costs $1,486 annually for full coverage, which is the equivalent of $124 a month. Comprehensive coverage costs about $362 a year, collision coverage is approximately $688, and the remaining liability/medical (or PIP) coverage costs approximately $436.

The chart below shows how average Ridgeline insurance cost changes based on the age of the driver and comprehensive and collision deductibles. The annual policy cost values shown range from the cheapest price of $1,120 per year for a driver age 60 with a $1,000 policy deductible to a high of $3,448 per year for a driver age 20 with $250 comprehensive and collision deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Honda Ridgeline with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Honda Ridgeline trim levels.Data last updated on November 14, 2022
Honda Ridgeline Car Insurance Rates
Honda Ridgeline Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,490$208
$500$2,956$246
$250$3,448$287
30$1,000$1,308$109
$500$1,568$131
$250$1,840$153
40$1,000$1,248$104
$500$1,486$124
$250$1,734$145
50$1,000$1,140$95
$500$1,352$113
$250$1,578$132
60$1,000$1,120$93
$500$1,328$111
$250$1,550$129

Do higher Ridgeline trims increase insurance cost?

With Honda Ridgeline insurance rates ranging from $1,424 to $1,532 per year on average, the most budget-friendly trim level to insure is the Ridgeline Sport. The three highest cost Ridgeline trim levels to insure are the Honda Ridgeline RTL, the RTL-E, and the Black Edition trim levels at an estimated $1,474,  $1,512, and $1,532 per year, respectively.

Honda Ridgeline RTL tailgate emblem
2021 Honda Ridgeline RTL in Pacific Pewter Metallic

The rate table below details the yearly and 6-month average car insurance rates, in addition to a monthly budget figure, for each Honda Ridgeline package and trim.

2022 Honda Ridgeline Insurance Cost by Trim Level
Honda Ridgeline Trim Level Annual Policy 6-month Policy Per Month
Sport$1,424$712$119
RTL$1,474$737$123
RTL-E$1,512$756$126
Black Edition$1,532$766$128

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Honda Ridgeline, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 14, 2022
Honda Ridgeline Insurance Cost by Trim Level

Ridgeline insurance cost: Cheaper than other trucks?

The Honda Ridgeline ranks #8 out of 10 total comparison vehicles in the 2022 midsize truck segment for insurance affordability. The Ridgeline costs an average of $1,486 per year for full coverage auto insurance, while the segment average rate is $1,464 per year, a difference of $22 per year.

When compared to the rest of the midsize truck segment, car insurance for a Honda Ridgeline costs $72 more per year than the Toyota Tacoma, $230 more than the Chevrolet Colorado, $132 more than the Ford Ranger, and $34 more than the Nissan Frontier.

The table below shows how Honda Ridgeline car insurance rates compare to those trucks plus the Jeep Gladiator and GMC Canyon.

Insurance Cost Comparison: Honda Ridgeline vs Midsize Trucks
Rank Make/Model Insurance Cost Difference
1Chevrolet Colorado$1,256-$230
2Ford Maverick$1,304-$182
3Ford Ranger$1,354-$132
4Toyota Tacoma$1,414-$72
5Nissan Frontier$1,452-$34
6Hyundai Santa Cruz$1,464-$22
7GMC Canyon$1,470-$16
8Honda Ridgeline$1,486--
9Jeep Gladiator$1,498$12
10Rivian R1T$1,938$452

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 14, 2022
Insurance Cost Comparison: Honda Ridgeline vs Midsize Trucks

Can my address impact the cost of car insurance?

Depending upon where you live, the cost to insure a Ridgeline can vary from cheaper amounts like $998 a year in Virginia Beach, VA, or $1,114 in Columbus, OH, to higher rates like $2,472 a year in Philadelphia, PA, and $2,800 in New York City, NY.

Some additional examples of rates include Tucson, AZ, at $1,438 per year, Dallas, TX, averaging $1,584, San Antonio, TX, costing $1,420, and Mesa, AZ, at an estimated $1,494.

The next chart visualizes average insurance cost for a Honda Ridgeline in 15 large metro areas in the United States. Following the chart, we also added a more comprehensive rate table that details rates for the 50 biggest cities.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Honda Ridgeline, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Honda Ridgeline trim levels.Data last updated on November 14, 2022
Honda Ridgeline Insurance Rates in Large U.S. Cities
Honda Ridgeline Insurance Rates by Location
City/State Annual Rate Monthly Rate
Detroit, MI$5,808$484
New Orleans, LA$3,472$289
Miami, FL$2,868$239
New York, NY$2,800$233
Philadelphia, PA$2,472$206
Las Vegas, NV$2,468$206
Los Angeles, CA$2,460$205
Louisville, KY$2,360$197
San Francisco, CA$2,114$176
Jacksonville, FL$2,106$176
Oakland, CA$2,100$175
Sacramento, CA$1,988$166
Baltimore, MD$1,944$162
Long Beach, CA$1,926$161
Tulsa, OK$1,884$157
Oklahoma City, OK$1,872$156
Kansas City, MO$1,872$156
Denver, CO$1,834$153
Memphis, TN$1,834$153
Atlanta, GA$1,808$151
Colorado Springs, CO$1,790$149
Fresno, CA$1,766$147
San Jose, CA$1,756$146
Phoenix, AZ$1,704$142
Portland, OR$1,680$140
San Diego, CA$1,670$139
Boston, MA$1,664$139
Wichita, KS$1,618$135
Chicago, IL$1,612$134
Dallas, TX$1,584$132
Houston, TX$1,578$132
Seattle, WA$1,572$131
Minneapolis, MN$1,562$130
Birmingham, AL$1,554$130
Nashville, TN$1,510$126
Milwaukee, WI$1,500$125
Mesa, AZ$1,494$125
Indianapolis, IN$1,492$124
Albuquerque, NM$1,472$123
Tucson, AZ$1,438$120
San Antonio, TX$1,420$118
Omaha, NE$1,376$115
Fort Worth, TX$1,368$114
El Paso, TX$1,366$114
Austin, TX$1,350$113
Cleveland, OH$1,178$98
Columbus, OH$1,114$93
Charlotte, NC$1,062$89
Virginia Beach, VA$998$83
Raleigh, NC$926$77

Average Ridgeline insurance cost by U.S. state

When comparing state average Honda Ridgeline rates, states like Virginia ($956), Maine ($1,024), and Iowa ($1,074) have lower insurance rates, while states like Nevada ($1,628), Michigan ($2,364), and Louisiana ($2,148) have higher insurance rates.

More middle ground states like Minnesota, Pennsylvania, and Oregon have Honda Ridgeline insurance rates of $1,304, $1,248, and $1,242 per year, respectively.

Honda Ridgeline Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,212$606$101
Alaska$1,300$650$108
Arizona$1,322$661$110
Arkansas$1,588$794$132
California$1,698$849$142
Colorado$1,580$790$132
Connecticut$1,438$719$120
Delaware$1,510$755$126
Florida$2,170$1,085$181
Georgia$1,434$717$120
Hawaii$1,006$503$84
Idaho$1,170$585$98
Illinois$1,198$599$100
Indiana$1,108$554$92
Iowa$1,074$537$90
Kansas$1,492$746$124
Kentucky$1,726$863$144
Louisiana$2,148$1,074$179
Maine$1,024$512$85
Maryland$1,340$670$112
Massachusetts$1,214$607$101
Michigan$2,364$1,182$197
Minnesota$1,304$652$109
Mississippi$1,402$701$117
Missouri$1,572$786$131
Montana$1,446$723$121
Nebraska$1,416$708$118
Nevada$1,628$814$136
New Hampshire$894$447$75
New Jersey$1,402$701$117
New Mexico$1,190$595$99
New York$1,578$789$132
North Carolina$944$472$79
North Dakota$1,232$616$103
Ohio$862$431$72
Oklahoma$1,442$721$120
Oregon$1,242$621$104
Pennsylvania$1,248$624$104
Rhode Island$1,746$873$146
South Carolina$1,366$683$114
South Dakota$1,346$673$112
Tennessee$1,170$585$98
Texas$1,398$699$117
Utah$1,226$613$102
Vermont$984$492$82
Virginia$956$478$80
Washington$1,128$564$94
West Virginia$1,336$668$111
Wisconsin$1,006$503$84
Wyoming$1,362$681$114

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Honda Ridgeline, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Honda Ridgeline trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on November 14, 2022
Honda Ridgeline insurance rates by U.S. state

Additional rate factors and information

Other cost data insights as they relate to different risks and discounts include:

  • Gender and age are two big factors. For a 2022 Honda Ridgeline, a 20-year-old male driver pays an estimated $2,956 per year, while a 20-year-old female driver pays an average of $2,188, a difference of $768 per year in favor of the women by a long shot. But by age 50, the rate for men is $1,352 and female rates are $1,326, a difference of only $26.
  • Insuring teen drivers is expensive. Average rates for full coverage Ridgeline insurance costs $5,282 per year for a 16-year-old driver, $4,952 per year for a 17-year-old driver, and $4,630 per year for a 18-year-old driver.
  • Negligent driving raises insurance rates. Having at-fault accidents will cost you more, possibly up to $2,076 per year for a 20-year-old driver and even as much as $472 per year for a 50-year-old driver.
  • Get a discount from your choice of occupation. Some auto insurance providers offer discounts for occupations like farmers, accountants, emergency medical technicians, doctors, lawyers, and others. If you work in a qualifying profession, you could save between $45 and $159 on your Ridgeline insurance cost, subject to the policy coverages selected.
  • Obey the law to get lower rates. To get the cheapest Honda Ridgeline car insurance rates, you need to avoid traffic tickets. As a matter of fact, just one or two traffic violations could result in increasing the cost of a policy by as much as $386 per year. Serious misdemeanor violations such as DWI/DUI and reckless driving could raise rates by an additional $1,364 or more.
  • Bring up your credit score and save. In states that have statutes allowing a driver’s credit rating to be used as a rate generating factor, having a credit score over 800 could possibly save as much as $233 per year versus a rating of 670-739. Conversely, a credit score below 579 could cost as much as $270 more per year.