Honda owners often assume their insurance will be average — or higher than expected because the brand is so popular. The 2026 data tells a more positive story.
Across most models, Honda insurance costs sit near or slightly below the national average for full coverage. Several popular models rank among the more affordable vehicles to insure in their class.
Average Cost to Insure a Honda in 2026
Full-coverage insurance for Honda vehicles currently averages roughly $180–$190 per month ($2,160–$2,280 per year) for a typical driver with a clean record. Liability-only coverage is usually in the $95–$115 range per month.
These figures put Honda right around the overall national average, and better than many competing brands once you factor in the strong safety ratings and relatively manageable repair costs of most Honda models.
Cheapest Honda Models to Insure
Not all Hondas cost the same to cover. The models that consistently land at the lower end include:
- Honda CR-V — Frequently the cheapest or near-cheapest Honda, often around $150–$160 per month for full coverage.
- Honda Odyssey — Another strong performer, typically in the mid-$150s.
- Honda HR-V and Pilot — Both land in a favorable range for their size.
- Honda Ridgeline — Competitive rates for a midsize truck.
These vehicles benefit from strong safety scores, high production volumes (which help keep parts affordable), and solid claims histories.
Models That Cost More
- Honda Civic — Often higher than other Hondas, partly due to higher theft rates on certain model years and its popularity with younger drivers.
- Honda Accord — Generally mid-pack to slightly higher than the CR-V or Odyssey.
- Honda Prologue (electric) — Typically the most expensive Honda to insure because of higher repair and battery-related costs.
Sports-oriented versions such as the Civic Type R also carry higher premiums.
Why Honda Insurance Is Often Reasonable
Several factors work in Honda’s favor:
- Strong safety ratings and standard driver-assistance features on most newer models.
- Wide parts availability and relatively predictable repair costs.
- High resale value and large number of vehicles on the road, which gives insurers good data.
- Lower claims frequency on many popular models compared with some competitors.
Your personal rate will still depend heavily on age, location, driving record, credit (in most states), and coverage levels.
How to Keep Your Honda Insurance Costs Down
- Shop multiple insurers at every renewal — rates for the same Honda can vary widely.
- Ask about multi-car, multi-policy, safe-driver, and telematics discounts.
- Consider a higher deductible if you can afford the out-of-pocket risk.
- Maintain a clean driving record and good credit.
- Bundle home or renters insurance when possible.
The Bottom Line
In 2026, insuring a Honda is generally more affordable than many drivers expect. Models like the CR-V, Odyssey, HR-V, and Pilot rank among the better values in their segments, while even the Civic and Accord stay competitive for mainstream sedans. The numbers are better than a lot of people assume — especially if you compare quotes carefully.
For more ways to reduce your premium, see our guide on the 5 car insurance discounts most Americans never claim. And check how your ZIP code affects rates in 2026 — location can change your bill more than the model of Honda you drive.
Which Honda do you own or plan to buy, and how does the insurance quote look? Share in the comments.
