A Comprehensive Guide to Honda Element Insurance Quotes

The cost of Honda Element auto insurance rates are $1,124 a year, or around $94 a month on average. Teens pay the highest rates at up to $4,108 a year, while good drivers may only pay $661.

UPDATED: Mar 10, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Mar 10, 2022

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Key takeaways:

  • Full coverage costs around $1,124 a year or $94 each month
  • A liability-only insurance policy costs around $450 a year or $38 each month
  • Highest rates are for teenage drivers at around $4,108 a year or $342 each month
  • Good drivers can save as much as $463 a year by earning insurance policy discounts
  • Honda Element insurance costs around $395 less per year than the average vehicle

Honda Elements can be economical to insure. Honda Element insurance costs around $395 less per year than the average vehicle. Keep reading to learn what drivers can do to save on Honda Element insurance rates.

You can start comparing quotes for Honda Element car insurance rates from some of the best car insurance companies by using our free online tool now.

Honda Element Insurance Cost

The average Honda Element car insurance costs are $1,124 a year or $94 a month.

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Are Honda Elements Expensive to Insure?

The chart below details how Honda Element insurance rates compare to other SUVs like the Cadillac Escalade, Nissan Pathfinder, and Acura RDX.

Vehicle Comprehensive Collision Liability Total
Cadillac Escalade $458 $780 $466 $1,904
Nissan Pathfinder $294 $452 $390 $1,294
Acura RDX $308 $532 $316 $1,292
Ford Explorer $308 $470 $372 $1,308
Mercedes-Benz GLS 450 $458 $894 $398 $1,908
Nissan Armada $306 $536 $338 $1,316
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However, there are a few things you can do to find the cheapest Honda insurance rates online.

What Impacts the Cost of Honda Element Insurance?

The Honda Element trim and model you choose can impact the total price you will pay for Honda Element auto insurance coverage.

Age of the Vehicle

Older Honda Element models generally cost less to insure. For example, car insurance rates for the 2011 Honda Element are $1,124, while the 2010 Honda Element rates are $1,104, a difference of $20.

Model Year Comprehensive Collision Liability Total
2011 Honda Element $196 $310 $460 $1,124
2010 Honda Element $190 $292 $464 $1,104
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Driver Age

Driver age can have a significant impact on the cost of Honda Element auto insurance. For example, 20-year-old drivers pay as much as $1,424 more each year for their Honda Element auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Honda Element insurance rates. For example, drivers in Jacksonville may pay $675 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Honda Element auto insurance. Teens and drivers in their 20s see the highest jump in their Honda Element car insurance with violations on their driving record.

Honda Element Safety Ratings

Your Honda Element auto insurance rates are influenced by the Honda Element’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Honda Element Crash Test Ratings

Honda Element crash test ratings can impact your Honda Element car insurance rates. See Honda Element crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2011 Honda Element SUV FWD N/R N/R N/R 3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Honda Element Safety Features

The Honda Element’s safety features can help lower insurance costs. The Honda Element has the following safety features:

  • Driver airbag
  • Passenger airbag
  • Front head airbag
  • Rear head airbag
  • Front side airbag
  • Four-wheel ABS
  • Four-wheel disc brakes
  • Brake assist
  • Electronic stability control
  • Daytime running lights
  • Child safety locks
  • Traction control

Honda Element Finance and Insurance Cost

If you are financing a Honda Element, you will pay more if you purchase Honda Element car insurance at the dealership, so be sure to shop around and compare Honda Element car insurance quotes from the best insurance carriers using our free tool below.

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Ways to Save on Honda Element Insurance

You have more options at your disposal to save money on your Honda Element auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Honda Element car insurance rates:

  • Get a plan with only liability coverage if you’re driving an older Honda Element.
  • Compare apples to apples when comparing Honda Element insurance quotes and policies.
  • Be picky about who drives your Honda Element.
  • Take a refresher course as an older driver.
  • Get Honda Element auto insurance through Costco.

Top Honda Element Insurance Companies

What is the best car insurance company for Honda Element insurance rates? While the actual insurance rates you pay will depend on many factors, here are some of the top insurance providers offering Honda Element insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Honda Element offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Honda Element Insurance Quotes Online

To start comparing Honda Element car insurance quotes for free, use our online car insurance comparison tool.

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