Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Honda Ridgeline? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year up to 2021 and have compiled the results for you below.

Honda Ridgeline facts

  • Average full coverage auto insurance premium: $155/month

  • Most affordable companies: GEICO ($136/month) & Progressive ($127/month)

  • Ridgeline insurance cost vs. average rate: $83 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Honda Ridgeline by model year and insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Honda Ridgeline insurer costs by state:

Factors affecting Honda Ridgeline rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your premium. Your own personal driving history, age, and other risk factors are also important components of your rate.

Honda Ridgelines are well-known for having exceptional resale value, which typically would result in high rates for even older vehicles. Still, Hondas actually do have some factors helping to mitigate that impact. For example, Hondas has been obtaining excellent safety ratings for decades, with the Honda Ridgeline named the Top Safety Pick by the Insurance Institute for Highway Safety.

Other Honda risk factors to consider

Another important factor for lower than average rates is Honda is one of the top-selling auto brands in the US, second only to Toyota. This helps in many ways, as the abundance of the same kind of vehicle helps companies obtain more data to do the underwriting more accurately. Also, it lowers repair costs since there are many replacement parts available for these cars and most mechanics are familiar with working on these vehicles.

One of the best ways to estimate whether the car you are considering will have high or low rates is to evaluate what the car is being used for by most people. In the case of a Honda, more than likely, it is being used by families to commute and provide general transportation. Honda does have a few more sport-like vehicles like the NSX, but the main target market is families by and large. This means that most drivers take care of their vehicles and drive them in a careful, conservative manner. In contrast, Subarus tend to have high rates because some of their more popular models are intended for the sports market they expect to drive them aggressively. In summary, it is hard to go wrong with a Honda as a vehicle, which is why Americans have continued to support the brand providing a very active resale market for even 30-year-old vehicles.

2021 Honda Ridgeline

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1845
American Family$1659
Country Financial$1869
Erie$1259
GEICO$1503
Liberty Mutual$1591
Mercury$1765
MetLife$1916
Nationwide$1529
Progressive$1415
State Farm$1385
Tennessee Farmers$1704
Travelers$1867
USAA$1213

Compare all 2021 Honda Ridgeline rates

Average Cost to Insure Per Year

$1890

List Price

$36490

Trims Available

RT - Sport - RTL - RTL-T - RTL-E - Black Edition with standard safety features - Collision Mitigation Braking System, Road Departure Mitigation System, Adaptive Cruise Control with Low-Speed Follow, Lane Keeping Assist System, Forward Collision Warning, Lane Departure Warning, and Traffic Sign Recognition System

2020 Honda Ridgeline

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1681
American Family$1594
Country Financial$1806
Erie$1188
GEICO$1419
Liberty Mutual$1540
Mercury$1651
Nationwide$1465
Progressive$1332
State Farm$1268
Tennessee Farmers$1624
Travelers$1712
USAA$1150

Compare all 2020 Honda Ridgeline rates

Average Cost to Insure Per Year

$1623

List Price

$33900

Trims Available

RT - Sport - RTL - RTL-T - RTL-E - Black Edition with standard safety features - Collision Mitigation Braking System, Road Departure Mitigation System, Adaptive Cruise Control with Low-Speed Follow, Lane Keeping Assist System, Forward Collision Warning, Lane Departure Warning, and Traffic Sign Recognition System

2019 Honda Ridgeline

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1627
American Family$1542
Country Financial$1729
Erie$1138
GEICO$1387
Liberty Mutual$1506
Mercury$1603
Nationwide$1429
Progressive$1280
State Farm$1216
Tennessee Farmers$1592
Travelers$1653
USAA$1055

Compare all 2019 Honda Ridgeline rates

Average Cost to Insure Per Year

$1486

List Price

$29990

Trims Available

RT - Sport - RTL - RTL-T - RTL-E - Black Edition with standard safety features - Collision Mitigation Braking System, Road Departure Mitigation System, Adaptive Cruise Control with Low-Speed Follow, Lane Keeping Assist System, Forward Collision Warning, Lane Departure Warning, and Traffic Sign Recognition System

2018 Honda Ridgeline

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1261
Acuity$ 1261
Allied$ 1117
Allied$ 1117
American Family$ 1317
American Family$ 1317
Erie$ 878
Erie$ 878
GEICO$ 1236
GEICO$ 1236
Nationwide$ 1127
Nationwide$ 1127
Plymouth Rock Insurance$ 1114
Plymouth Rock Insurance$ 1114
Progressive$ 867
Progressive$ 867
State Farm$ 1088
State Farm$ 1088
Tennessee Farmers$ 928
Tennessee Farmers$ 928
USAA$ 1031
USAA$ 1031
Vermont Mutual$ 1230
Vermont Mutual$ 1230

Compare all 2018 Honda Ridgeline rates

Average Cost to Insure Per Year

$1268

List Price

$29730

Trims Available

RT - Sport - RTL - RTL-T - RTL-E - Black Edition with standard safety features - Collision Mitigation Braking System, Road Departure Mitigation System, Adaptive Cruise Control with Low-Speed Follow, Lane Keeping Assist System, Forward Collision Warning, Lane Departure Warning, and Traffic Sign Recognition System

2017 Honda Ridgeline

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1097
Allied$ 1097
American Family$ 1230
American Family$ 1230
Erie$ 778
Erie$ 778
GEICO$ 747
GEICO$ 747
Nationwide$ 1044
Nationwide$ 1044
Plymouth Rock Insurance$ 1082
Plymouth Rock Insurance$ 1082
Progressive$ 758
Progressive$ 758
State Farm$ 898
State Farm$ 898
Tennessee Farmers$ 906
Tennessee Farmers$ 906
Texas Farm Bureau$ 1001
Texas Farm Bureau$ 1001
USAA$ 900
USAA$ 900
Vermont Mutual$ 1167
Vermont Mutual$ 1167

Compare all 2017 Honda Ridgeline rates

Average Cost to Insure Per Year

$1064

List Price

$29475

Trims Available

RT - Sport - RTL - RTL-T - RTL-E - Black Edition with standard safety features - Collision Mitigation Braking System, Road Departure Mitigation System, Adaptive Cruise Control with Low-Speed Follow, Lane Keeping Assist System, Forward Collision Warning, Lane Departure Warning, and Traffic Sign Recognition System

2014 Honda Ridgeline

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 963
Acuity$ 963
Allied$ 1053
Allied$ 1053
Amica$ 1172
Amica$ 1172
Arbella$ 1048
Arbella$ 1048
Country$ 1070
Country$ 1070
Erie$ 797
Erie$ 797
GEICO$ 1173
GEICO$ 1173
Plymouth Rock Insurance$ 1030
Plymouth Rock Insurance$ 1030
Tennessee Farmers$ 889
Tennessee Farmers$ 889
Texas Farm Bureau$ 720
Texas Farm Bureau$ 720
USAA$ 960
USAA$ 960
Vermont Mutual$ 811
Vermont Mutual$ 811

Compare all 2014 Honda Ridgeline rates

Average Cost to Insure Per Year

$960

List Price

$29575

Trims Available

RT - Sport - RTS - RTL - RTL w/Navi - SE with standard safety features - Collision Mitigation Braking System, Road Departure Mitigation System, Adaptive Cruise Control with Low-Speed Follow, Lane Keeping Assist System, Forward Collision Warning, Lane Departure Warning, and Traffic Sign Recognition System

2013 Honda Ridgeline

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 897
Acuity$ 897
Allied$ 1013
Allied$ 1013
Arbella$ 919
Arbella$ 919
Country$ 986
Country$ 986
Erie$ 708
Erie$ 708
GEICO$ 780
GEICO$ 780
Plymouth Rock Insurance$ 999
Plymouth Rock Insurance$ 999
Progressive$ 1010
Progressive$ 1010
Tennessee Farmers$ 813
Tennessee Farmers$ 813
Texas Farm Bureau$ 703
Texas Farm Bureau$ 703
USAA$ 847
USAA$ 847
Vermont Mutual$ 727
Vermont Mutual$ 727

Compare all 2013 Honda Ridgeline rates

Average Cost to Insure Per Year

$989

List Price

$29450

Trims Available

RT - Sport - RTS - RTL - RTL w/Navi - SE with standard safety features - Collision Mitigation Braking System, Road Departure Mitigation System, Adaptive Cruise Control with Low-Speed Follow, Lane Keeping Assist System, Forward Collision Warning, Lane Departure Warning, and Traffic Sign Recognition System

2012 Honda Ridgeline

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 899
Acuity$ 899
Allied$ 986
Allied$ 986
Arbella$ 978
Arbella$ 978
Country$ 1013
Country$ 1013
Erie$ 691
Erie$ 691
GEICO$ 803
GEICO$ 803
Plymouth Rock Insurance$ 979
Plymouth Rock Insurance$ 979
State Farm$ 1004
State Farm$ 1004
Tennessee Farmers$ 838
Tennessee Farmers$ 838
Texas Farm Bureau$ 721
Texas Farm Bureau$ 721
USAA$ 844
USAA$ 844
Vermont Mutual$ 739
Vermont Mutual$ 739

Compare all 2012 Honda Ridgeline rates

Average Cost to Insure Per Year

$ 972

List Price

$ 29350

Trims Available

RT - Sport - RTS - RTL - RTL w/Navi

2011 Honda Ridgeline

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 992
Acuity$ 992
Allied$ 971
Allied$ 971
Arbella$ 902
Arbella$ 902
Country$ 984
Country$ 984
Erie$ 683
Erie$ 683
GEICO$ 844
GEICO$ 844
Plymouth Rock Insurance$ 963
Plymouth Rock Insurance$ 963
Southern Farm Bureau$ 1090
Southern Farm Bureau$ 1090
Tennessee Farmers$ 829
Tennessee Farmers$ 829
Texas Farm Bureau$ 707
Texas Farm Bureau$ 707
USAA$ 845
USAA$ 845
Vermont Mutual$ 711
Vermont Mutual$ 711

Compare all 2011 Honda Ridgeline rates

Average Cost to Insure Per Year

$ 974

List Price

$ 29150

Trims Available

RT - RTS - RTL - RTL w/Navi