Best Auto Insurance for Hondas in 2025

Erie, Liberty Mutual, and Nationwide offer the best auto insurance for Hondas. Erie has cheap Honda car insurance starting at $52 a month.

Car insurance for Honda drivers is cheaper than average, and Erie locks in rates to prevent premiums from going up after an accident or claim.

Nationwide is the best fit for drivers who qualify for its usage-based SmartDrive program or its mileage-based SmartMiles, which can cut your premiums by up to 40%.

Our Top 10 Company Picks: Best Auto Insurance for Hondas

Liberty Mutual offers the biggest bundling discount of 25% to Honda owners who bundle their home or rental insurance (Read More: Best Auto and Home Insurance Bundles).

Discover hidden savings and compare multi-policy discounts available for Hondas when you use our free comparison tool to explore your options.

Honda Insurance Rates From Top Companies

If you see a higher price from brands like Erie vs. Liberty Mutual, it might reflect broader agent support or broader policy options.

Erie typically has lower Honda car insurance rates, but Liberty Mutual offers more coverage for new Hondas and often counters its high pricing with great discount programs.

Honda Auto Insurance Monthly Rates by Coverage Level

Many different factors impact Honda insurance costs. Always get multiple auto insurance quotes to find the best company based on your model and driving record.

High-Risk Drivers Pay More for Honda Car Insurance

Honda insurance costs rise fast with violations, especially for younger drivers. A 16-year-old with one accident jumps to $1,500 per month, nearly $1,300 more than a 50-year-old with a clean record, who pays just $210 per month.

Honda Auto Insurance Monthly Rates by Driving Record

Any high-risk behavior that adds points to your license will increase Honda auto insurance rates. A single ticket at 18 jumps your monthly rate up by $330, and one DUI at 25 more than doubles it to $600 a month.

Older drivers still see price bumps for violations, but not nearly as bad. At 60, a DUI adds $230 to monthly premiums.

Insurance companies see younger drivers as long-term risks, so even small mistakes early on hit harder.

If you’re just starting out, staying clean now can save you thousands over time. Find out what to do if you can’t afford your auto insurance before you cancel.

Honda Vehicle Insurance Costs for Different Models

Not all Hondas cost the same to insure. Insurers look at how expensive your model is to fix, how it’s usually driven, and how likely it is to be involved in a claim.

Honda Ridgeline and Honda Pilot car insurance often come with higher premiums because they are larger vehicles that cause more damage and cost more to repair, compared to Honda Accord car insurance, which has cheaper repair costs.

If you drive something like the Odyssey, insurers also consider that it’s likely carrying more passengers, which means a higher chance of medical claims. That’s why Honda Odyssey insurance rates climb to $162 a month for full coverage.

On the other hand, insurance for a Honda Civic, Fit, or other smaller models tends to be cheaper to insure because they’re easier to repair and usually are involved in fewer severe accidents.

Cheap car insurance for Honda Civics starts at $75 a month, only slightly higher than Honda Insight car insurance, but $10-$20 less per month than other Hondas.

Honda Civic auto insurance is also cheaper than other makes. It’s comparable to the Toyota Corolla, which is one of the cheapest cars to insure (Read More: How to Buy Auto Insurance).

Honda Auto Insurance Rates by Model Year

However, insurance on Hondas drops by around $5 annually. A new Honda costs more to insure because its advanced driver-assistance systems and high-value parts require costly repairs.

Decreases in car value, repair expenses, and claims all contribute to the overall reduction in premiums. For instance, Honda Civic 2017 insurance rates are $40 less per month than a brand-new model.

So if you need a full coverage quote under $120 a month for a 2018 Civic in Portland, you should start with insurance comparison websites like this one. Enter your ZIP code now to get quotes from Honda insurance companies in your city.

How to Save Money on Honda Car Insurance

If you’re driving a Honda, the right discount can shave $30 to $60 off your monthly premiums.

Whether it’s how you drive, how you pay, or the model you choose, each provider weighs your habits differently. Don’t skip these car insurance discounts you can’t miss.

Honda Auto Insurance Discounts From Top Providers

Nationwide’s 40% UBI discount is the highest available, but it only applies if you use its SmartRide program and show consistent low-risk driving.

The State Farm Drive Safe & Save usage-based discount isn’t as big at 30%, but State Farm won’t raise your rates if you drive poorly.

Stacking two or more of these discounts can help Honda drivers save $300 to $600 per year on average, especially when paired with a clean driving record.

There are a few more discounts and proven ways to lower your rates. These tips are especially for popular Honda models, like the CR-V, Accord, and lowering Honda Civic insurance costs:

• Bundling: Combine Honda car insurance with property insurance to unlock up to 25% in savings. Geico and Allstate offer steep discounts when you combine auto with renters or homeowners coverage.
• Deductibles: Increase your deductible from $500 to $1,000 to save an average of $150–$250 annually, especially if your Honda is older and you rarely file claims.
• Paying In Full: Pay your full annual premium upfront and skip monthly installment fees. Companies like American Family and Travelers offer 15%–20% off for paying in full.
• Safety Features: Hondas are some of the safest vehicles on the road, and installing additional safety and anti-theft devices can further reduce your rates.

Safety features can lower your Honda insurance cost by reducing the likelihood of accidents and minimizing injury and damage if there is a collision.

Honda models already equipped with lane assist, back-up cameras, automatic emergency brakes, or advanced airbag systems will often already get lower rates, but adding cameras or GPS locators can earn you additional discounts.

Honda vehicles, in particular, are known for performing well in crash-safety tests across multiple models.

Because of this consistent safety record, Honda insurance is often more affordable compared to other cars with lower safety scores.

Read More: Best Time to Buy a New Car

Insurance Coverage Honda Drivers Need

Honda car insurance rates can vary significantly depending on the type and level of coverage you choose. Liability coverage is the cheapest and is legally required in most states.

Carrying only state-minimum liability policies can lower your Honda insurance cost, but may leave you financially vulnerable after an accident.

Auto Insurance Coverage Options for Hondas

You must carry collision insurance to fix or replace your Honda, and comprehensive insurance kicks in when animals or natural disasters damage your vehicle.

If you drive a new Honda, you may also want to add gap insurance to cover you in case your vehicle is totaled in a collision or claim.

 

 

Top 10 Honda Auto Insurance Companies

How can I lower my Honda insurance rates? Shop with Erie, Liberty Mutual, and Nationwide, which have the best auto insurance for Hondas, with low rates and competitive discounts.

Another company might have a better policy for you, especially if you’re a military veteran or need customized equipment protection. Our guide on how to compare auto insurance companies will help you pick the right provider.

#1 – Erie: Top Pick Overall

Pros

• Customer Satisfaction: Erie is the highest-rated company when it comes to Honda car insurance claims support and customer service.
• Rate Lock Program: Keeps Honda premiums fixed unless policyholders move or add a new driver or vehicle to the policy. Learn more in our Erie Insurance review.
• New Vehicle Protection: Replaces total-loss Hondas with the same-year, same-make model if under two years old.

Cons

• Limited National Reach: Erie is only available in 12 states, restricting Honda coverage availability.
• Basic Digital Tools: Erie lacks some of the digital and online perks that larger Honda auto insurance companies offer.

#2 – Liberty Mutual: Best for Multi-Policy Discounts

Pros

• Bundling Discount: Liberty Mutual offers one of the highest bundling savings for Honda policies at 25%.
• 12-Month Rate Guarantee: Honda owners lock in premiums for a full year, protecting against sudden hikes. Get all the details in our Liberty Mutual insurance review.
• Better Car Replacement: Replaces a totaled Honda with a newer model one year ahead with fewer miles.

Cons

• No Mechanical Breakdown Coverage: Hondas beyond factory warranty don’t qualify for extended repair protection.
• Limited Off-Roading Support: This does not offer custom coverage for Honda trail or rock-crawling use.

#3 – Nationwide: Best for UBI Discounts

Pros

• SmartRide UBI Program: Honda drivers receive up to 40% savings for low mileage and safe habits tracked through its usage-based plan.
• SmartMiles Pay-As-You-Go: Nationwide rewards low-mileage Honda drivers with cheaper rates, tracking only their monthly driving distance to set premiums.
• Multi-Policy Discount: Bundling Honda auto with home insurance lowers premiums by 20%.

Cons

• Limited Quote Speed: Honda drivers may experience slower online quotes compared to digital-first carriers.
• Regional Restrictions: SmartRide and SmartMiles are not available for Hondas in all ZIP codes. To compare options, start with our Nationwide insurance review.

#4 – State Farm: Best for Reliable Coverage

Pros

• Rental Reimbursement Coverage: Covers up to $500 for rental if your Honda is in the shop after a covered loss.
• Drive Safe & Save UBI: Honda drivers can save up to 30% based on real-time driving behavior. Read our State Farm auto insurance review for more.
• 17% Bundling Discount: Combining Honda auto insurance with home insurance reduces the total premium cost.

Cons

• No Loan/Lease Payoff Coverage: Honda owners with financing receive no gap protection on depreciation.
• Limited Accessory Coverage: State Farm lacks trail-use or off-road parts protection for modified Hondas.

#5 – American Family: Best for Families

Pros

• Generational Discounts: Honda policies passed to teen drivers receive legacy rewards and loyalty discounts.
• Multi-Policy Discount: Honda-driving households bundling auto and renters insurance can save up to 25%.
• KnowYourDrive Program: Telematics-based discount of up to 20% for low-risk Honda drivers.

Cons

• Availability Issues: Not all policy coverage features are available to Honda drivers in every state.
• Digital Tools Are Basic: American Family’s app lacks advanced policy management for Honda owners. See how it stacks up in our American Family Insurance review.

#6 – Geico: Best for Newer Hondas

Pros

• Mechanical Breakdown Insurance: Covers major Honda components for up to seven years or 100,000 miles.
• Multi-Policy Discount: Honda auto insurance bundled with renters or condo insurance offers 25% off annual rates.
• Military Discount: Active-duty Honda drivers save up to 15%, especially on multiple vehicles. Explore everything you need to know about Geico in one quick guide.

Cons

• More Customer Complaints: Hondas insured with Geico may face more customer service issues than competitors.
• No Loan/Lease Payoff: Hondas with outstanding loans do not get gap coverage for the owed balance after a total loss.

#7 – Allstate: Best for Deductible Rewards

Pros

• Deductible Rewards: Honda drivers instantly earn $100 off the collision deductible upon sign-up.
• New Car Replacement: Allstate replaces a totaled Honda under 2 years old with a brand-new model. Take a look at our Allstate insurance review before picking a plan.
• Drivewise UBI Discount: Up to 40% off Honda premiums with good braking, mileage, and drive-time patterns.

Cons

• Bundling Required: Without bundling multiple lines of insurance, Honda owners won’t qualify for Allstate’s lowest rate tier.
• Repair Limitations: Allstate requires Hondas to be repaired only at in-network body shops.

#8 – Travelers: Best for Accident Forgiveness

Pros

• Premier Responsible Driver Plan: Waives surcharge for one at-fault Honda accident every 36 months.
• Bundling Discount: Combining Honda auto insurance with a homeowners policy reduces total premiums by 13%.
• New Car Replacement Coverage: Replace a totaled Honda with a brand-new model of the same make and trim if it is under five years old.

Cons

• No Mechanical Coverage: Travelers does not offer extended warranty-type plans for Honda drivers. Check out our Travelers auto insurance review to see if it fits you.
• App Lacks Functionality: Honda drivers may find digital tools limited compared to top tech-forward providers.

#9 – Farmers: Best for Custom Plans

Pros

• Customized Equipment Coverage: Farmers provides add-on protection for Honda lift systems, winches, and off-road upgrades.
• Bundling Discount: Combine Honda car insurance with homeowners or renters insurance for up to 20% off your rates.
• Accident Forgiveness: If you’re accident-free for three years after your first at-fault Honda accident, your rate won’t increase.

Cons

• No Vanishing Deductible Program: Honda drivers won’t get annual deductible reductions for safe driving.
• Limited Online Tools: Honda drivers must contact agents directly for most policy changes or claims. Let’s go over everything you need to know about Farmers Insurance.

#10 – Progressive: Best for Digital Tools

Pros

• Name Your Price Tool: Honda drivers can choose an auto insurance plan online based on their budget. Learn how it works in our Progressive Insurance review.
• Snapshot Discount Program: Up to 30% savings for Honda drivers who track their habits and avoid speeding, hard braking, and driving at night.
• Loan/Lease Payoff Coverage: Progressive’s gap policies cover a financed or leased Honda’s remaining loan balance.

Cons

• Limited Off-Road Coverage: Progressive does not offer specialized protection for Hondas used in trail or rock-crawling activities.
• Telematics Penalty: Snapshot may raise rates for Honda drivers with harsh braking or high mileage.

Find the Best Honda Car Insurance Near You

Erie, Liberty Mutual, and Nationwide offer the best auto insurance for Hondas. Erie boasts a 0.22 complaint index, the lowest among major insurers, while Nationwide rewards safe Honda drivers with a 40% usage-based discount.

Honda insurance prices vary based on driver age, vehicle year, and driving record. To get the best deal near you, compare multiple Honda insurance quotes online and match discount programs to your driving habits. Find the right coverage for your car when you use our free comparison tool.