Best Auto Insurance for Hondas in 2025 (Top 10 Companies for Your Vehicle!)
State Farm, Geico, and Progressive have the best auto insurance for Hondas. Monthly Honda insurance costs start at $52, but State Farm rewards an extra 30% off to safe drivers enrolled in Drive Safe & Save. Geico includes mechanical breakdown coverage, and Progressive offers loan/lease payoff, best for new Hondas.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Apr 25, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 25, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
18,154 reviewsCompany Facts
Full Coverage for Hondas
A.M. Best
Complaint Level
Pros & Cons
18,154 reviews
19,116 reviewsCompany Facts
Full Coverage for Hondas
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
13,283 reviewsCompany Facts
Full Coverage for Hondas
A.M. Best
Complaint Level
Pros & Cons
13,283 reviewsThe best auto insurance for Hondas comes from State Farm, Geico, and Progressive. State Farm ranks highest with a 0.61 complaint index and up to 30% savings through Drive Safe & Save.
Our Top 10 Company Picks: Best Auto Insurance for Hondas| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | A++ | Reliable Coverage | State Farm |
 | #2 | 25% | A++ | Newer Hondas | Geico |
 | #3 | 10% | A+ | Digital Tools | Progressive |
 | #4 | 20% | A+ | UBI Discounts | Nationwide |
 | #5 | 25% | A+ | Deductible Rewards | Allstate |
 | #6 | 13% | A++ | Accident Forgiveness | Travelers |
 | #7 | 20% | A | Custom Plans | Farmers |
 | #8 | 25% | A | Multi-Policy Discounts | Liberty Mutual |
 | #9 | 25% | A | Families | American Family |
 | #10 | 25% | A+ | Customer Support | Erie |
Geico offers up to 15% off for multi-vehicle households and mechanical breakdown insurance exclusive to newer Hondas (Read More: Best Time to Buy a New Car). Progressive includes loan/lease payoff and accident forgiveness, and allows Honda drivers to set budget-based limits using its Name Your Price tool.
- State Farm saves Honda drivers up to $740 using Drive Safe & Save
- Geico covers Honda repairs up to seven years or 100,000 miles
- Progressive lowers Honda premiums with Snapshot driving performance
Discover hidden savings and compare multi-policy discounts available for Honda owners when you use our free comparison tool to explore your options.
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#1 – State Farm: Top Overall Pick
Pros
- Drive Safe & Save: Honda drivers can save up to 30% based on real-time driving behavior. Read our State Farm auto insurance review to learn why it’s ideal for new vehicles.
- 17% Bundling Discount: Combining Honda auto insurance with home insurance reduces the total premium cost.
- Rental Reimbursement Coverage: Covers up to $500 for rental if your Honda is in the shop after a covered loss.
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.
#2 – Geico: Best for Newer Hondas
Pros
- Mechanical Breakdown Insurance: Covers major Honda components for up to seven years or 100,000 miles.
- 25% Multi-Policy Discount: Hondas bundled with renters or condo insurance see steep rate drops.
- 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
- Complaint Index 1.33: Hondas insured with Geico may face more customer service issues than competitors.
- No Loan/Lease Payoff: Hondas with outstanding loans get no coverage for the owed balance after a total loss.
#3 – Progressive: Best for Digital Tools
Pros
- Name Your Price Tool: Honda drivers can choose an auto insurance plan online based on their budget.
- Snapshot Discount Program: Up to 30% savings for Honda drivers tracked on braking, speed, and usage. We explain everything you need to know about Progressive before you buy.
- Loan/Lease Payoff Coverage: Progressive’s gap insurance covers financed Hondas’ 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.
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#4 – Nationwide: Best for UBI Discounts
Pros
- SmartRide Program: Honda drivers receive up to 40% savings for low mileage and safe habits tracked through its usage-based plan.
- 20% Multi-Policy Discount: Bundling Honda auto with home insurance significantly lowers premiums.
- Vanishing Deductible: $100 Honda deductible reduction each accident-free year, up to $500 max.
Cons
- Limited Quote Speed: Honda drivers may experience slower online quotes compared to digital-first carriers.
- Regional Restrictions: SmartRide and deductibles are not available for Hondas in all ZIP codes. Start with our comprehensive Nationwide insurance review to compare options.
#5 – Allstate: Best for Newer Hondas
Pros
- Deductible Rewards: Honda drivers instantly earn $100 off 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 Discount: Up to 40% off Honda premiums with good braking, mileage, and drive-time patterns.
Cons
- 25% Bundling Required: Without bundling, 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.
#6 – Travelers: Best for Accident Forgiveness
Pros
- Premier Responsible Driver Plan: Waives surcharge for one at-fault Honda accident every 36 months.
- 13% Bundling Discount: Combining Honda auto insurance with a homeowners policy reduces total premiums.
- 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 aging Honda parts.
- App Lacks Functionality: Honda drivers may find digital tools limited compared to top tech-forward providers. Check out our Travelers auto insurance review to see if it fits you.
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#7 – Farmers: Best for Custom Plans
Pros
- Customized Equipment Coverage: Farmers provides add-on protection for Honda lift systems, winches, and off-road upgrades.
- 20% Bundling Discount: Honda coverage lets you save a lot when combining home or life insurance.
- Accident Forgiveness: If you are 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.
#8 – Liberty Mutual: Best for Multi-Policy Discounts
Pros
- 25% Bundling Discount: Liberty Mutual offers one of the highest bundling savings for Honda policies.
- 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 made just for you.
- 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.
#9 – American Family: Best for Families
Pros
- Generational Discounts: Honda policies passed to teen drivers receive legacy pricing breaks.
- 25% Multi-Policy Discount: Honda-driving households bundling auto and renters insurance see steep savings.
- KnowYourDrive Program: Telematics-based discount of up to 20% for low-risk Honda drivers.
Cons
- Availability Issues: Not all Honda coverage features are available 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 vs. Travelers guide.
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#10 – Erie: Best for Customer Support
Pros
- Customer Satisfaction: Erie is a top performer when it comes to claims support and customer service.
- Rate Lock Program: Keeps Honda premiums fixed unless policy or driver changes (Learn More: Erie Auto Insurance vs. MetLife).
- 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 select states, restricting Honda coverage availability.
- Basic Digital Tools: Erie lacks some of the digital and online perks that larger Honda auto insurance companies offer.
Understanding Honda Insurance Premiums
Finding cheap Honda car insurance isn’t the sole consideration, although it is important. The key is to decipher what your premium actually means. Erie’s low rates usually point to drivers who don’t file many claims and drive safer makes, like Honda. On the flip side, Liberty Mutual’s higher prices suggest it expects to cover more repairs or offer more built-in protections.
Honda Auto Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $84 | $178 |
| $68 | $154 |
| $52 | $120 |
| $79 | $165 |
| $60 | $138 |
| $91 | $187 |
| $64 | $142 |
| $72 | $158 |
| $58 | $132 |
| $66 | $145 |
If you see a higher price from brands like Allstate or Farmers, it might reflect broader agent support or higher claim expectations. However, State Farm sits in the middle and often pairs solid pricing with great discount programs for lower Honda car insurance rates.
Many different factors impact Honda insurance costs, and having a low monthly fee may reflect your safe driving habits, low mileage, or the safety features of your specific model. Always get multiple auto insurance quotes to find the best company for your needs.
Monthly Insurance Costs Decrease as Honda Models Age
Insurance on Hondas drops by around $5 yearly, from $145 per month for newer vehicles all the way down to $100 for models ten years or older. Decreases in car value, repair expenses, and claims all contributed to the $45 reduction over the course of a decade.
Honda Auto Insurance Monthly Rates by Model Year & Coverage Level| Year | Minimum Coverage | Full Coverage |
|---|---|---|
| 2025 | $145 | $254 |
| 2024 | $140 | $245 |
| 2023 | $135 | $236 |
| 2022 | $130 | $228 |
| 2021 | $125 | $219 |
| 2020 | $120 | $210 |
| 2019 | $115 | $201 |
| 2018 | $110 | $193 |
| 2017 | $105 | $184 |
| 2016 | $100 | $175 |
A new Honda costs more to insure because its advanced driver-assistance systems and high-value parts require costly repairs after collisions. By contrast, an older Honda lacks newer tech like blind-spot sensors and automated braking, making both repairs and replacement parts far cheaper.
The lower payout risk on older Hondas directly translates to lower premiums. This predictable drop helps drivers plan for future costs when choosing between new and used models. Use our guide to take the guesswork out of how to buy auto insurance.
Age and Driving History Combine to Shape Honda Insurance Costs
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.
Honda Auto Insurance Monthly Rates by Age & Driving Record| Age | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| 16-Year-Old | $950 | $1,350 | $1,500 | $1,850 |
| 18-Year-Old | $720 | $1,050 | $1,230 | $1,550 |
| 25-Year-Old | $280 | $410 | $480 | $600 |
| 30-Year-Old | $250 | $370 | $440 | $550 |
| 40-Year-Old | $230 | $340 | $400 | $500 |
| 45-Year-Old | $220 | $330 | $380 | $480 |
| 50-Year-Old | $210 | $310 | $370 | $460 |
| 60-Year-Old | $200 | $290 | $340 | $430 |
| 65-Year-Old | $210 | $300 | $350 | $440 |
A single ticket at 18 jumps your rate by $330, and one DUI at 25 more than doubles it to $600. Older drivers still see price bumps for violations, but not nearly as bad—at 60, a DUI adds just $230.
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.
How Honda Drivers Can Max Out Insurance Discounts
If you’re driving a Honda, the right discount can shave $30 to $60 off your monthly rate. 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| Insurance Company | UBI | Bundling | Pay-in-Full | Military | Green Vehicle |
|---|---|---|---|---|---|
| 30% | 25% | 10% | 25% | 7% |
| 30% | 25% | 20% | 12% | 5% |
| 30% | 25% | 5% | 12% | 5% |
| 30% | 20% | 10% | 20% | 8% |
| 25% | 25% | 10% | 15% | 5% |
| 30% | 25% | 12% | 10% | 8% |
| 40% | 20% | 15% | 15% | 10% |
| 25% | 10% | 15% | 15% | 5% |
| 30% | 17% | 15% | 25% | 5% |
| 30% | 13% | 15% | 10% | 10% |
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. State Farm’s usage-based discount isn’t as big at 30% when you use Drive Safe & Save, but State Farm won’t raise your rates if you drive poorly.
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.
- Pay 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.
- 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.
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.
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Getting Essential Coverage to Protect Your Honda
When insuring your Honda, it’s not just about what you’re required to carry — it’s about what protects your wallet when things go wrong. Each coverage offers a specific kind of financial relief that can save you thousands in the right situation.
List of Common Auto Insurance Coverages for Honda| Coverage Type | Description |
|---|---|
| Liability | Covers damage to others’ property and injuries |
| Collision | Covers damage to your vehicle in a collision |
| Comprehensive | Covers non-collision damage (e.g., theft, fire) |
| Uninsured/Underinsured | Covers damage from uninsured drivers |
| Medical Payments (MedPay) | Pays for medical expenses after an accident |
| Personal Injury Protection | Covers medical costs and lost wages |
| Roadside Assistance | Provides help for breakdowns or emergencies |
| Rental Reimbursement | Pays for a rental car during repairs |
| Gap Insurance | Covers the difference between loan and car value |
Liability coverage is legally required in most states and protects you if you damage someone else’s car or cause injuries, but you need collision insurance to fix or replace your Honda, and comprehensive insurance covers when animals or natural disasters damage your vehicle.
If your Honda is financed or leased, gap insurance is one of the most overlooked coverages that can save you thousands after a total loss.
Daniel Walker Licensed Insurance Agent
State Farm, Geico, and Progressive offer the best auto insurance for Hondas due to their coverage options, rate stability, discount depth, and model-specific perks. State Farm gives Honda drivers access to a 30% Drive Safe & Save discount and boasts a 0.61 complaint index, the lowest among major insurers.
Honda insurance prices vary based on driver age, vehicle year, and driving record. To get the best deal near you, compare multiple quotes online and match discount programs to your driving habits. Find the right coverage for your car when you use our free comparison tool.
Frequently Asked Questions
What are the top three insurance companies that provide the best Honda auto insurance rates?
The top three are State Farm, for usage-based discounts, Geico for added mechanical coverage, and Progressive, with its Name-Your-Price Tool.
Which is the best company to insure a Honda?
State Farm is the best company to insure your Honda car due to its 30% Drive Safe & Save discount and a 0.61 NAIC complaint index, the lowest among top insurers.
Read More: State Farm vs. Farmers, Geico, Progressive, Allstate Insurance
Is Geico or Progressive better for Honda auto insurance?
Geico is better if you want mechanical breakdown insurance for Hondas under seven years or 100,000 miles, while Progressive offers stronger savings for multi-vehicle households. Is Allstate cheaper than Geico for a Honda? Geico is usually cheaper, especially when you qualify for a 25% bundling discount.
Is AAA auto insurance worth it for Honda?
AAA auto insurance is worth it for Honda owners who need built-in roadside assistance and travel benefits, but monthly premiums are often 10–15% higher than other providers, as shown in our AAA auto insurance review.
What is the cheapest Honda car insurance for seniors over 60?
The cheapest Honda car insurance for seniors over 60 averages $200 per month, and insurers like Liberty Mutual offer discounts for driving under 7,500 miles annually. Enter your ZIP code to see who has the cheapest insurance near you.
Is insurance high for Hondas?
Are Hondas more expensive to insure? No, insurance isn’t high for Hondas. Models like the Civic and CR-V average $130 to $145 per month, partly due to their strong safety ratings and lower theft rates, but using hacks to save more money on car insurance can bring those costs down even further.
How much does Honda auto insurance generally cost per month for full coverage?
Honda full coverage insurance typically costs between $130 and $ 145 a month, depending on the model year, driving record, and coverage limits. How do you get lower auto insurance for Hondas? Join UBI programs like Nationwide SmartRide (up to 40% off), raise your deductible, bundle policies, and pay in full to avoid installment fees.
What factors influence Honda’s auto insurance rates?
Costs vary based on age, driving history, ZIP code, model year, annual mileage, and whether you carry extras like gap insurance or roadside assistance. Hondas are among the least expensive to insure in their class due to moderate repair costs and strong IIHS safety ratings, which lower risk for insurers.
Find out what the Insurance Institute for Highway Safety does and how it impacts your car’s safety rating.
Which auto insurance provider has the highest customer satisfaction rating for Honda?
State Farm has the highest customer satisfaction for Honda drivers, with a 0.61 NAIC complaint index and strong rankings in the J.D. Power 2024 Auto Insurance Study, particularly for claims handling and policy support. Who is Honda’s most trusted insurance company? Also State Farm, thanks to its A++ A.M. Best rating, consistent service record, and popular programs like Drive Safe & Save.
This breakdown walks you through how to compare auto insurance companies with confidence.
How can Honda owners choose the best car insurance for claims?
Geico and Progressive both offer real-time claim tracking and direct repair networks, but State Farm has higher customer satisfaction when handling Honda car insurance claims.
How much is insurance on a Honda Civic?
Honda Civic insurance costs average $145 per month for full coverage, with rates influenced by high-tech features like lane assist and collision sensors that increase repair costs. What is the cheapest insurance for a Honda Civic? Erie has the best minimum rates starting at $52 per month and full coverage around $120 monthly.
What are the main coverage options available for Honda auto insurance?
Honda drivers can choose from liability, comprehensive and collision auto insurance, personal injury protection or MedPay, gap insurance, rental reimbursement, and roadside assistance, depending on vehicle age and loan status.
Enter your zip code below to view companies that have cheap insurance rates.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.