How much is insurance on a Honda Ridgeline?

Priced for the 2024 Ridgeline AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Ridgeline's rank is the same in every state.

Why the Honda Ridgeline costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Honda Ridgeline crew cab 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 77 for crash repairs, 82 for non-crash damage, 91 for damage to others' property, and 79 for injury claims.

• Crash repairs (collision)fixing this car after a crashBetter than average23% better than average5th best of the 9 small pickups we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage18% better than average5th best of the 8 small pickups we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage9% better than averagebest of the 8 small pickups we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 21% less often than averagebest of the 5 small pickups we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Ridgeline comes out about 22% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 9% less than average: about $870 a year vs $950. On the liability side, damage to others and injury claims combine to about 16% better than average. We count about half, so that part is about 8% less: $910 a year vs $990.

How the math works

In EPA size classes, the Ridgeline is a full-size pickup (gas-powered). In Highway Loss Data Institute loss tables, the Honda Ridgeline is benchmarked against small pickups.

Matched to HLDI series “Honda Ridgeline crew cab 4WD” (HLDI, 2022–24 models).

A used Honda Ridgeline, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Ridgeline AWD (0–3 years old)	about $1,780	about $910	+$1,170	about $5,100
2022 Ridgeline AWD (4–7 years old)	about $1,670	about $910	+$1,100	about $4,800
2018 Ridgeline AWD (8–12 years old)	about $1,520	about $850	+$1,000	about $4,360
2012 Ridgeline Truck 4WD (13 or more years old)	about $1,450	about $910	+$960	about $4,160

Our catalog covers the Honda Ridgeline across model years 2006–2014, 2017–2026. Full coverage on a used 2012 Ridgeline (13 or more years old) runs about $1,450 a year, $330 less than on a 2024. Dropping collision and comprehensive on that 2012 brings liability-only coverage to about $910 a year. Each photo shows that year's generation of the car. Photo credits.

All 2 versions of the 2024 Honda Ridgeline in our catalog (Ridgeline AWD and Ridgeline AWD TrailSport) price within about $50 a year of each other.

On a policy of their own with a 2024 Honda Ridgeline, a 22–25-year-old pays about $2,310 a year ($530 more than a 45-year-old), a 26–39-year-old about $1,970, and a driver 65 and older about $1,860.

Adding a 16-year-old with a Honda Ridgeline

Because the Honda Ridgeline starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,170 a year ($100 a month), $110 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,100 a year, about $3,920 more than sharing the family policy.

For adding a teen driver, the Honda Ridgeline ranks 19th cheapest out of all 121 models we track. Stepping down to a used 2012 Ridgeline (13 or more years old) brings the teen add-on to about $960 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small pickups

Among these 9 small pickups, the Honda Ridgeline is the least expensive to insure. Next up is the Ford Maverick, at about $1,810 a year.

• 2024 Honda Ridgelineabout $1,780 (this car)
• 2024 Ford Maverickabout $1,810 (about the same)
• 2024 Toyota Tacomaabout $1,850 ($70 more)
• 2024 Ford Rangerabout $1,860 ($80 more)
• 2024 Nissan Frontierabout $1,870 ($90 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Honda Ridgeline costs in your state

In six sample states, a 2024 Honda Ridgeline runs from about $1,230 a year in Wisconsin through South Dakota, Washington, New Mexico and Delaware to about $2,340 in New York:

• Wisconsinabout $1,230/yr · +$820 teen
• South Dakotaabout $1,430/yr · +$940 teen
• Washingtonabout $1,520/yr · +$1,010 teen
• New Mexicoabout $1,610/yr · +$1,060 teen
• Delawareabout $1,940/yr · +$1,280 teen
• New Yorkabout $2,340/yr · +$1,540 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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