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Honda Insurance: Compare Cheap Rates
The cheapest Honda to insure, on average, is the CR-V, and the Civic is the most expensive.
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Last updated: June 1, 2026
Compare Cheap Honda Insurance: Key Takeaways
On average, the full coverage premiums for Hondas are higher than the national average, largely due to the high theft rates of certain models.
The cheapest Honda model to insure is the CR-V at $2,233/year on average, followed closely by the HR-V at $2,275/year.
USAA has the lowest rates, on average, for Hondas, but it is only available to military-affiliated drivers. The next-cheapest rates are offered by Progressive and State Farm.
As with all cars, newer Hondas generally cost more to insure than older model years.
Average Cost of Honda Car Insurance
The average cost of a full coverage policy for a Honda is $2,501 annually, or $208 monthly, which is slightly higher than the national average of $2,356. The price you pay for car insurance is influenced by many factors, so your premium may be higher or lower than this average depending on the exact Honda model and model year you own, as well as your age, location, and more.
Cheapest Honda Model to Insure: Honda CR-V
The Honda CR-V is the cheapest model to insure due to its lower premiums while the Civic is costlier.
The most affordable Honda model to insure is the Honda CR-V, which is the company’s compact SUV. On average, it costs around $2,233 per year to insure this model, which is just below the national average and is 11 percent cheaper than the average for Hondas. The HR-V is almost tied with an average premium of $2,275.
The most expensive Honda to insure is the Honda Civic, which is an affordable car but has a high theft rate. The average annual full coverage premium for this car is $2,626, 5 percent higher than the Honda average and 11 percent higher than the national average across all makes and models.
GOOD TO KNOW:
The Honda Civic has historically been one of the most stolen cars in the U.S. due to the lack of anti-theft technology on older models. It was the fifth-most stolen car in the first half of 2025.1
| Model | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| CR-V | $2,233 | $186 |
| HR-V | $2,275 | $190 |
| Pilot | $2,333 | $194 |
| Odyssey | $2,363 | $197 |
| Insight | $2,421 | $202 |
| Ridgeline | $2,523 | $210 |
| Accord | $2,530 | $211 |
| Civic | $2,626 | $219 |
Note: The rates in the table above are averages of 2022, 2023, 2024, and 2025 model years.
Cheapest Honda Insurance Company: Progressive and USAA
USAA offers the cheapest rates, on average, for Honda drivers at $2,059 per year. However, USAA is only available to members of the military and their families. For other Honda drivers, Progressive has the cheapest average rates at $2,207, which is 12 percent below the Honda average.
| Company | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| USAA | $2,059 | $172 |
| Progressive | $2,207 | $184 |
| State Farm | $2,214 | $185 |
| GEICO | $2,693 | $224 |
| Allstate | $2,807 | $234 |
| Farmers | $2,820 | $235 |
| National average for Hondas | $2,501 | $219 |
Cheapest Honda Insurance By Model
Honda Accord
| Company | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| USAA | $2,054 | $171 |
| Progressive | $2,532 | $211 |
| State Farm | $2,532 | $211 |
| Geico | $2,898 | $242 |
| Farmers | $3,814 | $318 |
| Allstate | $4,300 | $358 |
| National average | $2,831 | $236 |
Honda Civic
| Company | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| USAA | $2,125 | $177 |
| Progressive | $2,360 | $197 |
| State Farm | $2,384 | $199 |
| Geico | $2,860 | $238 |
| Allstate | $4,377 | $365 |
| Farmers | $4,610 | $384 |
| National average | $2,908 | $242 |
Honda CR-V
| Company | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| USAA | $1,899 | $158 |
| State Farm | $1,977 | $165 |
| Progressive | $2,073 | $173 |
| Geico | $2,610 | $218 |
| Allstate | $3,503 | $292 |
| Farmers | $3,956 | $330 |
| National average | $2,458 | $205 |
Honda HR-V
| Company | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| Progressive | $1,785 | $149 |
| USAA | $1,804 | $150 |
| State Farm | $2,041 | $170 |
| Geico | $2,670 | $223 |
| Allstate | $3,365 | $280 |
| Farmers | $3,916 | $326 |
| National average | $2,438 | $203 |
Honda Insight
| Company | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| USAA | $2,051 | $171 |
| Progressive | $2,182 | $182 |
| State Farm | $2,252 | $188 |
| Geico | $2,624 | $219 |
| Allstate | $3,491 | $291 |
| Farmers | $3,791 | $316 |
| National average | $2,615 | $218 |
Honda Odyssey
| Company | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| Progressive | $2,117 | $176 |
| USAA | $2,218 | $185 |
| State Farm | $2,219 | $185 |
| Geico | $2,617 | $218 |
| Allstate | $3,388 | $282 |
| Farmers | $3,994 | $333 |
| National average | $2,595 | $216 |
Honda Pilot
| Company | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| USAA | $1,972 | $164 |
| State Farm | $2,106 | $176 |
| Progressive | $2,188 | $182 |
| Geico | $2,624 | $219 |
| Allstate | $3,325 | $277 |
| Farmers | $4,055 | $338 |
| National average | $2,522 | $210 |
Honda Ridgeline
| Company | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| State Farm | $2,205 | $184 |
| USAA | $2,349 | $196 |
| Progressive | $2,421 | $202 |
| Geico | $2,642 | $220 |
| Allstate | $3,989 | $332 |
| Farmers | $4,316 | $360 |
| National average | $2,722 | $227 |
Average Cost of Honda Insurance by Model Year
In general, the newer your Honda is, the more you can expect to pay for insurance, which is the case across makes and models. For example, the cost to insure a 2017 Honda is around $2,043, while the average rate for a 2022 model is $2,453.
| Honda model year | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| 2022 | $2,453 | $204 |
| 2021 | $2,362 | $197 |
| 2020 | $2,291 | $191 |
| 2019 | $2,200 | $183 |
| 2018 | $2,087 | $174 |
| 2017 | $2,043 | $170 |
By Model and Year
Honda Accord
| Model year | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| 2022 | $2,730 | $228 |
| 2021 | $2,618 | $218 |
| 2020 | $2,543 | $212 |
| 2019 | $2,458 | $205 |
| 2018 | $2,356 | $196 |
| 2017 | $2,230 | $186 |
Honda Civic
| Model year | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| 2022 | $2,598 | $217 |
| 2021 | $2,487 | $207 |
| 2020 | $2,378 | $198 |
| 2019 | $2,302 | $192 |
| 2018 | $2,402 | $200 |
| 2017 | $2,326 | $194 |
Honda CR-V
| Model year | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| 2022 | $2,225 | $185 |
| 2021 | $2,151 | $179 |
| 2020 | $2,097 | $175 |
| 2019 | $2,007 | $167 |
| 2018 | $1,927 | $161 |
| 2017 | $1,872 | $156 |
Honda Insight
| Model year | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| 2022 | $2,659 | $222 |
| 2021 | $2,559 | $213 |
| 2020 | $2,475 | $206 |
| 2019* | $2,399 | $200 |
*The Honda Insight was not produced for model years between 2015 and 2018, and it has been discontinued as of 2022.
Honda Odyssey
| Model year | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| 2022 | $2,419 | $202 |
| 2021 | $2,340 | $195 |
| 2020 | $2,315 | $193 |
| 2019 | $2,226 | $185 |
| 2018 | $2,104 | $175 |
| 2017 | $2,026 | $169 |
Honda Pilot
| Model year | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| 2022 | $2,430 | $203 |
| 2021 | $2,319 | $193 |
| 2020 | $2,259 | $188 |
| 2019 | $2,114 | $176 |
| 2018 | $2,011 | $168 |
| 2017 | $2,073 | $173 |
Honda Ridgeline
| Model year | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| 2022 | $2,713 | $226 |
| 2021 | $2,567 | $214 |
| 2020 | $2,492 | $208 |
| 2019 | $2,401 | $200 |
| 2018 | $2,197 | $183 |
| 2017 | $2,210 | $184 |
Frequently Asked Questions
The Honda CR-V is the cheapest to insure, with an average annual premium of $2,233 per year, followed closely by the HR-V at $2,275 per year. However, these are just averages, and your insurance rate is based on many factors beyond your car model.
There is no single insurance that’s best for Honda, so it will depend on what you’re looking for in an insurer. Progressive and USAA have the cheapest average rates according to our data, so if cost is your priority, those may be good options. State Farm and GEICO tend to have affordable rates and have better customer service ratings than Progressive, making them good alternatives for those potentially willing to pay a bit more for better service.
Yes, Hondas are more expensive to insure, on average — the average rate to insure a Honda across all models and model years is $2,501, compared to the national average of $2,356 across all vehicles. This is largely due to the high theft rate of many Honda models. However, you can still get a lower-than-average rate depending on your driving record, age, credit history, and other factors.
Methodology
We analyze average auto insurance premiums for various Honda models between 2017 and 2025. Our data includes rates for full coverage for good drivers with good credit. Full coverage includes the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
- Comprehensive and collision: $500 deductible
Sources
U.S. Vehicle Thefts Experience Historic Decline. NICB. (2026, Mar 18).
https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline
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