Honda Ridgeline Insurance Cost [2022 Rates + Rankings]

• Honda Ridgeline insurance averages $1,486 per year or around $124 per month, depending on the trim level.
• Ridgeline insurance rates range from $1,424 to $1,532 annually for an average driver, depending on trim level.
• The Honda Ridgeline is one of the more expensive 2022 midsize trucks to insure, costing $22 more per year on average as compared to other midsize trucks
• Honda Ridgeline car insurance rates in a few larger cities include $1,808 in Atlanta, GA, $1,578 in Houston, TX, and $1,884 in Tulsa, OK.

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.

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.

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.

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.

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.

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.

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.