Best Car Insurance Company for Hondas (2024)

Hondas are well known for their reliability, fuel efficiency, and low cost, making them one of the best-selling car brands in the United States. However, its cost-saving features don’t stop there — you can also get affordable Honda car insurance rates, with full coverage costing an average of $135 a month.

The best car insurance company for Hondas is one that fits your needs and budget. For example, if you have a car loan or lease, you might want to avoid a company that doesn’t offer gap insurance. Always compare coverage options, eligible discounts, and quotes to find the right company for you.

Drivers could also consider liability-only coverage to save on their Honda car insurance rates, but you and your vehicle won’t be protected. So, if you’re looking for extra protection, you may want to consider a full coverage car insurance policy for your Honda, which consists of comprehensive and collision coverages.

While Hondas already carry low car insurance rates, there are more ways for drivers to maximize their savings. Keep reading to learn more about Honda coverage options, discounts, average rates, and more.

Honda Insurance Coverages

All U.S. states, except New Hampshire and Virginia, require Honda drivers to carry liability car insurance coverage. New Hampshire residents must pay for damages out of pocket after an at-fault accident, and Virginia requires uninsured residents to pay an annual $500 uninsured motor vehicle fee. However, you can generally find a liability policy for less than $500 yearly.

Liability insurance pays for any property damage or bodily injury you cause in an at-fault accident up to your policy’s limits. For example, if you only have $20,000 in property damage liability and cause $25,000 in damage, you must pay the remaining $5,000 out of pocket.

The two types of liability coverages include:

• Property damage liability: Property damage liability covers any vehicle or property damage you cause in an at-fault accident. Usually, insurers pair this coverage alongside bodily injury liability.
• Bodily injury liability: Bodily injury liability pays for the medical bills and lost wages of other drivers in an accident you cause. Read more about the best bodily injury liability car insurance companies here.

In addition to the required coverages above, some states may require other car insurance coverages, including:

• Collision coverage: Collision coverage pays to repair or replace your vehicle if it gets damaged in an accident. Read more about the best collision coverage car insurance companies.
• Comprehensive coverage: Comprehensive car insurance protects you in non-collision incidents. For example, if your car gets damaged by weather, vandalism, or theft, you’ll get a check to repair or replace it. Read more about the best comprehensive coverage car insurance companies.
• Medical payments/personal injury protection: These coverages help pay for medical bills and lost wages for the driver and passengers after an accident. Keep reading to learn more about the best medical payments car insurance companies.
• Uninsured/underinsured motorist protection: If a driver with inadequate or no insurance hits your car, this coverage pays for any property damage or bodily injury. Find out more about the best uninsured coverage car insurance companies.

Some states require drivers to carry medical payments, personal injury protection, and uninsured/underinsured motorist protection. In addition, you might need collision and comprehensive coverage if you have a car loan since most lenders require full coverage. Find out how to get car insurance.

Honda Car Insurance Rates

On average, it costs about $135 monthly for full coverage car insurance for a Honda. However, your actual Honda insurance costs will vary depending on several factors, like the Honda model you purchase. Take a look at the table below to see the factors that affect car insurance rates:

Common Factors that Impact Car Insurance Rates

If your Honda is older, or you can afford to pay damages out of pocket, you could consider carrying just the minimum insurance your state requires to save on your monthly rates. For example, liability-only insurance for a Honda costs around $37 monthly, a savings of around $100.

The cost to insure a Honda also depends on the model you choose. For example, if you pick a Honda with expensive repair parts or a high MSRP, you might be stuck with high car insurance rates. You can compare car insurance rates by the Honda model below.

Honda Civic Car Insurance Rates

One of the most popular models by the company, a Honda Civic carries the highest car insurance rates of all Honda models. Expect to pay around $154 monthly for full coverage on a Civic.

Honda Civic Average Car Insurance Rates by Model Year

Because insurance for a new Honda Civic might be more expensive, Honda drivers could consider buying an older Honda to save on their rates. For example, you’ll pay around $126 for full coverage on a 2018 Honda Civic.

Honda CR-V Car Insurance Rates

The Honda CR-V is an SUV offering an excellent balance between cost, fuel efficiency, and low insurance rates. On average, it costs $114 monthly for CR-V full coverage, $40 cheaper than a Civic. However, there are other ways to save more on your CR-V rates. Take a look at the table below to compare the average  Honda CR-V auto insurance rates by model year.

Honda CR-V Average Car Insurance Rates by Model Year

To save on monthly rates, you could insure a 2017 Honda CR-V, bringing your cost to $93 a month.

Honda Accord Car Insurance Rates

With the mid-size Honda Accord, expect to pay about $131 monthly for full coverage, but you could save more by insuring an older Accord. Take a look at the table below to compare the average insurance cost for a Honda Accord by model year.

Honda Accord Average Car Insurance Rates by Model Year

For example, you could pay $96 monthly for full coverage on a 2012 Honda Accord, a savings of almost $40 monthly.

Tips on Finding the Best Car Insurance Company for Hondas

While comparing average rates is a good start in finding affordable Honda car insurance, consider the tips listed below when shopping around to find the best car insurance company for Hondas:

• Compare car insurance. Always compare quotes from various companies before deciding on one. Insurers consider multiple factors when setting rates and weigh certain factors differently than others. So, you’ll likely overpay for car insurance if you pick the first company you find.
• Consider coverage needs. Each coverage you add to your policy raises your rates, so ensure you only pay for the coverage you need. For example, you could drop collision and comprehensive coverages if your policy’s cost exceeds 10% of your car’s value. Find out how much car insurance you need.
• Locate discounts. Most companies offer car insurance discounts to Honda drivers looking for more affordable rates. For example, college students who maintain good grades may qualify for a good student discount. Ask any company you’re considering if you qualify for any car insurance discounts.

As you can see, finding the best Honda car insurance company isn’t difficult if you consider your needs and budget and compare policies accordingly.

The Bottom Line: The Best Car Insurance Company for Hondas

If you recently bought a Honda or want to get one, finding the best car insurance company for your needs is vital, but how do you do that? Comparing quotes, locating discounts, and considering coverage needs are the most effective ways to find the best car insurance company for Hondas.