Buy Cheap Honda Element Auto Insurance in 2024
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.
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
Honda Element Safety Features
The Honda Element’s safety features can help lower insurance costs. The Honda Element has the following safety features:
- Driver air bag
- Passenger air bag
- Front head air bag
- Rear head air bag
- Front side air bag
- 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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Frequently Asked Questions
How can I buy cheap Honda Element auto insurance?
Here are some tips to help you find affordable Honda Element auto insurance:
- Compare quotes from multiple insurance providers to get the best rates.
- Maintain a clean driving record and avoid accidents or traffic violations.
- Opt for a higher deductible, but make sure you can afford it in case of a claim.
- Consider bundling your Honda Element insurance with other policies, like home or renters insurance, for potential discounts.
- Install safety features in your vehicle, such as anti-theft devices or alarm systems, to reduce the risk of theft or damage.
What factors affect the cost of Honda Element auto insurance?
Several factors can influence the cost of Honda Element auto insurance, including:
- Your driving record: A clean driving record usually results in lower insurance premiums.
- Location: Where you live can impact insurance rates due to factors like crime rates and accident frequency in your area.
- Age and gender: Younger drivers and males tend to have higher insurance rates.
- Vehicle model and year: Newer Honda Elements may have higher insurance premiums due to their value and repair costs.
- Coverage levels: The type and amount of coverage you choose will affect your insurance rates.
- Deductible: A higher deductible can lower your premiums but also increases the amount you would pay out-of-pocket in case of a claim.
- Credit history: In some states, insurance companies consider your credit history when determining premiums.
What types of coverage do I need for my Honda Element?
The specific types of coverage you need for your Honda Element may vary based on your location and personal circumstances. However, common types of auto insurance coverage include:
- Liability coverage: This covers injuries or property damage you may cause to others in an accident.
- Collision coverage: This covers repairs or replacement costs for your Honda Element if it’s damaged in a collision.
- Comprehensive coverage: This covers non-collision-related damages to your Honda Element, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance coverage.
- Personal injury protection (PIP): This coverage pays for medical expenses and related costs for you and your passengers, regardless of fault.
Can I get discounts on my Honda Element auto insurance?
Yes, you may be eligible for various discounts on your Honda Element auto insurance. Some common discounts include:
- Multi-policy discount: Insuring your Honda Element with the same provider as your home or renters insurance can result in a discount.
- Safe driver discount: If you have a clean driving record and no recent accidents, you may qualify for this discount.
- Anti-theft device discount: Installing security devices in your Honda Element can reduce the risk of theft and potentially lower your premiums.
- Good student discount: If you or a young driver on your policy maintains good grades, you may be eligible for this discount.
- Low mileage discount: If you don’t drive your Honda Element often or have a low annual mileage, you may qualify for this discount.
How do I find the best insurance provider for my Honda Element?
To find the best insurance provider for your Honda Element, consider the following steps:
- Research and compare quotes from multiple insurance companies to get an idea of their rates and coverage options.
- Check the financial stability and reputation of the insurance companies you’re considering.
- Read customer reviews and ratings to gauge the overall satisfaction of policyholders.
- Evaluate the coverage options, discounts, and additional benefits offered by each provider.
- Consider reaching out to insurance agents or brokers who can provide personalized assistance and help you find the best policy for your needs.
Compare Quotes From Top Companies and Save
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.