Honda Car Insurance [2025]: Compare Costs and Get Quotes

Honda has long been a giant in the auto industry. Based on sales volume, it's the seventh-largest car manufacturer in the world.

Honda is well-known for its vehicle reliability, innovation, and relatively affordable prices. While the average sticker price of new cars tops $48,000, it's notable that Honda has five cars and SUVs with manufacturer-suggested retail prices (MSRPs) under $30,000.

Thanks to Honda's reliability and pricing, car insurance for the company's vehicles tends to be fairly inexpensive. In fact, full coverage policies for Honda vehicles are about 4% less than the national average for all vehicles, based on Insurify data.

If you're shopping for coverage for a new or used Honda, USAA, GEICO, and State Farm have some of the lowest rates, but you should shop around and look for ways to save even more on your policy.

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Compare Honda car insurance quotes

Company name	Best/Excellent for	Average monthly full coverage cost	Average monthly liability-only cost
USAA	Military members, veterans, and close family members	$95	$46
GEICO	Low rates	$113	$52
State Farm	Customer satisfaction	$114	$53
Allstate	New Honda owners	$126	$59
Progressive	Add-ons and extra coverage	$147	$95

(Data sourced from Insurify)

USAA

Best for military members and veterans

Company details

AM Best: A++ (Superior)
J.D. Power claims satisfaction: 726/1,000 (study average 697)
BBB: A+
NAIC complaints: 0.96 (Private passenger)

Those who qualify for USAA membership can enjoy several benefits, including car insurance with stellar customer satisfaction ratings and significantly cheaper-than-average premiums. In the J.D. Power 2024 U.S. Auto Claims Satisfaction Study, the company received one of the highest scores, though it wasn't ranked against the other insurers.

You can get coverage for your new or used Honda anywhere in the country. Plus, the insurance company has extra perks for active-duty military, such as special on-base discounts.

However, USAA isn't open to the general public. To join, you must be a member of the military, a veteran, or a close family member of a qualifying USAA member.

Pros

Highly rated for customer satisfaction
Cheaper-than-average premiums
Extra benefits for active military members
Available in all 50 states

Cons

Fewer discounts than some competitors
Limited eligibility to military personnel, veterans, and their families

Learn more in our USAA review.

GEICO

Best for low rates

Company details

AM Best: A++ (Superior)
J.D. Power claims satisfaction: 692/1,000 (study average 697)
BBB: A+
NAIC complaints: 0.75 (Private passenger)

While USAA may be cheaper, GEICO tends to have the lowest rates for Honda vehicles available to the general public. It doesn't have the eligibility restrictions that USAA does.

Plus, GEICO sells policies nationwide and offers perks like mechanical breakdown coverage. This form of protection gives you some peace of mind with your new or leased Honda, helping with the cost of repairs if your car breaks down or has mechanical problems.

However, GEICO has a less-than-stellar rating for claims satisfaction, and it has a tiny agent network compared to other insurance companies (like State Farm). If you prefer personalized help with an agent, another insurer may be a better fit.

Pros

Better-than-average rates
Available in all 50 states
Offers mechanical breakdown coverage

Cons

Lower customer satisfaction ratings
Smaller agent network
Doesn't sell GAP coverage

Learn more in our GEICO review.

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State Farm

Best for customer satisfaction

Company details

AM Best: A++
J.D. Power claims satisfaction: 710/1,000 (study average 697)
Better Business Bureau: F
NAIC complaints: 0.84 (Private Passenger)

State Farm is an industry leader. For Honda owners, State Farm offers lower-than-average car insurance rates and superior customer satisfaction; J.D. Power ranked the company sixth out of 20 insurers for claims satisfaction.

Drivers who have shorter commutes or tend to drive less may also benefit from State Farm's Drive Safe & Save program. You can get a discount just for enrolling, and if you drive safely, you may lower your car insurance by up to 30%.

Unfortunately, State Farm isn't available in all states; it doesn't issue new policies in Rhode Island or Massachusetts. If you live in one of those states, another company (like GEICO or Allstate) may be a good alternative.

Pros

Potentially significant savings through its telematics program
Highly rated for customer satisfaction
Relatively low rates

Cons

Not available in all states
Doesn't sell GAP coverage
Potentially higher rates than competitors for drivers with poor credit or driving infractions

Learn more in our State Farm review.

Allstate

Best for new Honda owners

Company details

AM Best: A+
J.D. Power claims satisfaction: 691/1,000 (study average 697)
BBB: A+
NAIC complaints: 1.02 (Private Passenger)

If you purchase a new Honda, Allstate could be a good choice for you. It has two insurance coverage options that are particularly useful for new car owners (and that not all companies offer).

GAP insurance: This financial protection pays for the difference between your remaining auto lease or loan balance and your car's value if it's totaled in an accident or stolen.
New car replacement: If you have a car that's two years old or newer and you purchase this coverage, Allstate will pay to replace your car with a new model if it's totaled.

Plus, since Honda vehicles are popular with rideshare drivers (the Honda Civic is one of the most popular models for Uber and Lyft drivers), Allstate sells rideshare coverage.

However, Allstate doesn't have the best ratings for customer satisfaction. Also, if you're hoping to save by signing up with a telematics program, Allstate's programs aren't available in all states.

Pros

Offers GAP, rideshare, and new car replacement coverage
Cheaper-than-average rates
Available in all 50 states

Cons

Below-average performance for claims satisfaction
Its telematics programs aren't available nationwide
Only offers six-month policy term options

Learn more in our Allstate review.

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Progressive

Best for add-ons and extra coverage

Company details

AM Best: A+
J.D. Power claims satisfaction: 672/1,000 (study average of 697)
BBB: A+
NAIC complaints: 0.97 (Private Passenger)

Honda vehicles are extremely popular among car enthusiasts. With the broad availability of aftermarket parts, owners can make all kinds of modifications to their vehicles, changing everything from the car's performance to its appearance.

If you've installed an aftermarket sound system, gotten a custom paint job, or had new rims installed, Progressive could be a useful choice. It offers custom parts and equipment value (CPE) coverage for added protection.

Progressive also has other perks, including a deductible savings bank and even coverage for pets injured in a car accident.

But J.D. Power ranked the insurer second to last for claims satisfaction, and Progressive's telematics program isn't available everywhere. Plus, your price may vary based on how you purchase your policy.

Pros

Relatively low rates and a "Name Your Price" tool
Coverage for custom and aftermarket parts
Available in all 50 states

Cons

Potentially different policy pricing based on the purchase method
Telematics is unavailable in some states
Lower customer satisfaction rating

Learn more in our Progressive review.

What affects Honda auto insurance rates?

Several factors affect the cost of car insurance for a new or used Honda, including:

Your car: The cost to replace or repair your vehicle affects your rates. Honda vehicles are highly rated for dependability and parts are more easily available, so they tend to be less expensive to insure than other cars. Some of the cheapest models to insure include the Odyssey and CR-V while the Accord and Prologue tend to be the costliest.
Vehicle theft rates: Some models, such as the Honda Accord and the Honda Civic, are at an increased risk of theft compared to other cars, so you'll likely pay a higher rate.
Driving history: Expect to pay significantly more to insure your Honda if you have a driving record that includes at-fault accidents, speeding tickets, or DUI infractions.
Age: Statistically, drivers in their teens and early 20s are more likely to be in accidents, so they pay higher rates (sorry, young'uns).
Gender: Men are more likely to be involved in accidents and speeding, so they tend to pay higher rates than women.
Location: Where you live is another factor affecting your rates. Living in congested areas, zip codes with higher incidences of theft, and locations with higher costs of living will usually cause you to have higher insurance premiums.
Credit: In many states, insurance companies can use your insurance-based credit score to determine your eligibility for coverage and set your rates. In general, drivers with very good or excellent credit pay less for insurance.
Selected coverage: At a minimum, you'll need liability insurance. But to protect your Honda (and yourself), you may need higher liability coverage limits and other types of insurance — all of which can add to your overall cost.
Available discounts: Some insurance companies offer discounts for everything from staying claims free and bundling policies to making automatic payments and being a student or an eligible organization member. Qualifying for such discounts helps you save money on car insurance.

What insurance do I need for a new Honda?

Here are some of the car insurance coverage types you might need or want to purchase for your Honda.

Liability: In nearly every state, drivers must have, at a minimum, car insurance policies that meet the state liability limits. Liability coverage pays for injuries or property damages you cause to another driver if you're in an accident. Depending on your assets, you may need more coverage than your state's minimum requirements.
Collision: Liability coverage only pays for the damage to the other driver's vehicle. To get coverage for the repairs or replacement of your own Honda in an at-fault accident, you'll need collision insurance.
Comprehensive: Comprehensive insurance pays for damages that occur to your vehicle outside of collisions. For example, car damage related to weather or theft would fall under your comprehensive coverage.
GAP insurance: A new Honda is a significant investment. If you make a relatively small down payment, depreciation can quickly leave you owing more than your vehicle is worth. In that scenario, GAP coverage is key since it helps cover the difference between what you owe and your car's current value if it's totaled in an accident or stolen.
Rental reimbursement: If you total or damage your car in a covered incident, rental reimbursement will cover the cost of a rental car for the period while you wait for a vehicle replacement or repair.
Roadside assistance: Although Honda vehicles are reliable cars, emergencies like flat tires or dead batteries happen. Roadside assistance can help you when you're stranded on the side of the road, and it's typically a low-cost add-on to your car insurance policy.

FAQs

Which insurance is best for a Honda?

Which car insurance is best for your Honda depends on the age of your car, its model, how many miles you drive per year, and your coverage needs. In general, USAA and GEICO have the lowest rates for several popular Honda vehicles.

Is insurance high for Hondas?

In general, insurance rates for Honda vehicles tend to be relatively affordable, thanks to the manufacturer's reliability. On average, drivers pay $2,244 per year for full coverage insurance for Honda vehicles, slightly less than the national average for all vehicles of $2,340.

What is the cheapest Honda model to insure?

The Honda Odyssey is the cheapest vehicle in Honda's lineup for insurance. According to Insurify data, average premiums for this model are $153 for full coverage and $81 for liability-only coverage.

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Bottom line

Whether you're cruising the streets in your '90s Honda Civic (I see you, OG "Fast and the Furious" fans) or embracing the electric vehicle hype with the Honda Prologue, Honda's vehicles boast dependability. When it comes to insurance, Hondas are also relatively affordable with their cheaper-than-average premiums.

But, as with any car, it's a good idea to shop around before purchasing insurance for your new or used Honda. Request quotes from at least a few of the best car insurance companies to find the right coverage for your car.

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