Honda Auto Insurance

Find out about discounts, safety ratings, and other important information which can save you money on car insurance.

Honda is one of the most popular cars in America. Consumers rightly associate the brand with value and reliability. The car manufacturer has long been known for making small, lightweight, fuel efficient vehicles which hold their value remarkably well. Honda leads the industry with one of the most comprehensive, bumper-to-bumper warranties in the business. They offer a standard 7 year or 80,000 miles warranty (whichever comes first) on all of their new models.

Honda is a Japanese public multinational corporation which was founded in 1948. It currently manufactures a wide range of vehicles including road cars, racing cars, motorcycles, mountain bikes, engines, aircraft and even robots. Honda has been the world's largest manufacturer of motorcycles since 1959. Since 1986, the company has been actively involved with robotics and artificial intelligence and released its ASIMO robot in 2000. Today it remains one of the world leaders in robotic research and development. In 1986, Honda also became the first Japanese car manufacturer to introduce a dedicated luxury brand, Acura.

One of the reasons for Honda's enormous popularity is its well-earned reputation for producing long-lasting, durable vehicles. With proper maintenance, many Honda models can run well past 200,000 engine miles. Honda's all-time best-selling model, the Civic, gets excellent gas mileage and holds its value for many years. It's not surprising that many 3 to 4 year old Civics appraise close to their original purchase price. It stands to reason that most Honda owners keep their vehicles for a very long time so if you are considering buying a used Honda model, the prices will more than likely be higher than for another comparable brand. The bottom line is that Honda makes simple, well-made cars that consumers love.

Today, Honda offers everything from small sized sedans to full size family cars. They also produce minivans, SUVs, Hybrid cars, and trucks.

When looking for car insurance, be sure to contact different insurance companies and compare quotes. Most companies will consider the make and model of the car you are insuring and will also factor in your personal information. Annual premium costs can vary considerably depending on your age, driving record, where you live, and even your credit history. Nearly every insurance company offers discounts to their customers. These can range from good driver discounts to discounts for bundling your policies (such as life, home, renter's, etc). If you have a teenager driver in the family, many companies have a good student discount if your child maintains a certain grade point average. There are usually discounts for completing driver's training and/or defensive driving courses.

Risk considerations for Honda
The Honda Civic, along with being the most popular of models, is also one of the most stolen vehicles in the country, according to the National Crime Insurance Bureau. Other Honda models which are favorites of car thieves are the Honda Accord and the Honda Prelude. You may want to take this fact into consideration when deciding on a new or used model but overall, Honda is so well-made and reliable, that the overall impact of the risk of theft should be quite small. Remember that the more safety features your car has (anti-theft devices, for example), the lower your insurance costs.

Honda Crash Test Results
According to crash test results released by the Insurance Institute for Highway Safety, the following Honda vehicles were named as Top Safety Picks for 2012. To be awarded this rating, models had to receive a "good" rating in all four tests given by the Institute. These include a rollover crash test, high-speed front and side crash tests, and evaluations of seat/head restraints (to assess protection from neck injuries in rear impact crashes).

  • Minicars: Honda Fit
  • Small cars: Honda Civic (4 door), Honda CR-Z, Honda Insight
  • Midsize: Honda Accord (only 4 door models)
  • Small SUVs: Honda CR-V
  • Midsize SUVs: Honda Pilot
  • Minivans: Honda Odyssey
  • Large Pickups: Honda Ridgeline

Insurance Rates for Honda
Insurance rates for most Honda models are considered reasonable and affordable for most consumers. This is due in large part to Honda's reputation for reliability and safety. Again, it's important to remember that insurance companies evaluate different criteria when pricing out an individual car insurance policy. Your personal information will most likely be weighed more heavily than the make and model of your vehicle. There are things you can do to help lower the cost of your car insurance: drive safely and maintain a clean driving record, take advantage of discounts offered by most insurance companies, and keep a good credit rating. Nearly every company will check your credit report when you apply for insurance and will base what they charge you accordingly.

The following insurance quotes are just averages and are meant to be used only as a guideline when budgeting for insurance costs.
You should expect your personal cost for an annual premium to differ from these estimates. Most yearly premiums will range from $1,000 to $1,500. The exception is the Honda H2000 which costs around $2,050. The Honda Odyssey comes in at around $1,160 per year and the Honda CR-V is around $1,200.

Honda Civics and Honda Pilots generally average around $1,400 for an annual premium. The Honda Accord will cost about $1,340 and the Honda Element will be around $1,330.