WHY PAY MORE?
GET AFFORDABLE INSURANCE RATES FOR HONDA VEHICLES
CR-V
Pilot
Accord
Civic
Other
HANDPICKED CARRIERS –
LOWER COSTS, HIGHER SATISFACTION
HOW MUCH DOES AUTO INSURANCE COST FOR HONDA VEHICLES?
On average, Honda auto insurance costs $2,238 per year, which breaks down to about $186 monthly. Your actual rate shifts based on vehicle design and policyholder demographics. For example, the compact Honda Fit costs around $1,887 annually, whereas larger or higher-end options like the Honda Passport average $2,384 per year.
Insurers in the U.S. adjust pricing based on statistical risk, making age a primary factor. Teen drivers incur the steepest rates, frequently exceeding $4,000 annually because insurers classify young drivers as high-risk. Experienced adult drivers see a major drop in premiums, often securing full coverage for $1,800 to $2,200 per year by following legal requirements and leveraging safety discounts.
POPULAR HONDA MODELS WE INSURE
WHICH CARRIERS OFFER THE BEST RATES FOR HONDA OWNERS?
Finding competitive policy pricing requires analyzing different carrier options across the market. USAA leads with the cheapest rates for Honda owners, averaging just $78 a month. State Farm ranks second at $86 per month, followed by Allstate at $110 per month. At the high end, Amica represents the most expensive option available, averaging $378 each month. Shopping among these major insurance providers enables drivers to secure reliable auto insurance without overpaying:
Note: These rates are estimates and can vary based on individual circumstances. For accurate pricing, it's recommended that you obtain personalized quotes.
AUTO INSURANCE COSTS BY HONDA MODEL
Auto insurance premiums for Honda vehicles depend on structural factors including safety scores, vehicle size, repair complexity, and theft rates. Family crossovers like the CR-V feature low-risk profiles, keeping policy costs manageable. However, performance-oriented sedans like the Accord are more costly to insure because their turbocharged engines and expensive trim components increase repair claims. The table below breaks down average monthly liability coverage costs by Honda model:
$85/m
$113/m
$113/m
$119/m
$113/m
$101/m
Note: These rates are estimates and can vary based on individual circumstances. For accurate pricing, it's recommended that you obtain personalized quotes.
BEST COVERAGE OPTIONS FOR HONDA OWNERS
Liability Coverage
This coverage pays for third-party bodily injuries and property damage when you are at fault in an accident, fulfilling legal state requirements and covering medical bills.
Collision Coverage
This coverage covers the repair or replacement cost of your vehicle after a crash with another automobile or stationary object, regardless of driver fault or accident cause.
Comprehensive Coverage
This coverage reimburses non-collision physical damage to your vehicle, including theft, vandalism, fire, storm, glass breakage, severe weather, and other covered events.
Gap Insurance
This coverage bridges the financial difference between your vehicle’s market value and your remaining auto loan or lease balance if declared a total loss after an accident.
Agreed Value / Valuation Coverage
This coverage guarantees a predetermined payout limit set at the time of policy creation, protecting custom vehicle modifications and preventing standard depreciation.
Roadside Assistance / Towing
This coverage supplies 24/7 emergency support to your vehicle, including mechanical towing, flat tire replacement, battery jump-starts, fuel delivery, and lockout services.
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WHY HONDA OWNERS CHOOSE CINCO?
Repair Costs & Parts Availability
Honda vehicles are known for lower-than-average repair costs and wide parts availability across the country, which helps keep ownership expenses manageable compared to many competitors. CINCO compares options across carriers to match Honda owners with a policy that reflects this vehicle's actual repair network and parts pricing, instead of a flat premium built for pricier cars.
Safety & Theft Considerations
Certain Honda models, including some popular sedans and SUVs, tend to appear among the most frequently stolen vehicles nationwide each year due to their popularity and steady parts demand. CINCO agents help Honda owners prioritize comprehensive protection or anti-theft discounts before a theft happens, rather than letting them discover coverage gaps only after filing a claim.
Carrier Access for Honda Owners
Honda remains one of the most commonly owned vehicle brands across the country, giving insurers deep and ongoing experience underwriting these models year after year. That familiarity lets CINCO match Honda owners with competitive pricing and quicker quotes, while also knowing which insurers handle less common or specialty Honda vehicles without declining or overpricing them.
Coverage Built Around How You Drive
Most Hondas serve as daily commuters and family SUVs, though certain models regularly see occasional towing, hauling, or business-related use over time. CINCO builds coverage around how a Honda is actually driven, adding towing liability, commercial use riders, or mileage-based options where they genuinely fit, rather than applying one generic policy regardless of actual use.
Agreed Value vs. Standard Coverage
Standard coverage suits most Honda models well, but limited production or appreciating vehicles can outgrow that approach as time passes and values shift over the years. For these vehicles, CINCO can place agreed value coverage when it genuinely fits, locking in a set payout instead of leaving owners with a standard depreciated payout that understates true value each year.
Gap Insurance for Financed & Leased Honda Vehicles
Many Honda buyers finance or lease their vehicles rather than paying cash upfront, given the brand's popular price points and wide range of available trims across the full lineup of current models. CINCO flags and proactively offers gap insurance to these owners, closing a coverage gap that is easy to overlook until a total loss leaves an unexpected balance still owed.
HOW TO SAVE ON AUTO INSURANCE FOR HONDA VEHICLES
Honda insurance pricing depends on a defined set of factors insurers evaluate during underwriting and renewal. Driving record, annual mileage, safety equipment, garaging location, credit-based pricing tiers, make and model, prior coverage history, claims history, marital status, and continuous coverage all determine the final quote a driver receives. Thus, consulting with an agent helps you find available discounts and policy adjustments that lower the cost of vehicle insurance:
Multi-Policy Discount
Multi-Vehicle Discount
Safe Driver Discount
Good Student Discount
Defensive Driving Course Discount
Anti-Theft Device Discount
Low Mileage Discount
Pay-in-Full / Paperless Billing Discount
Loyalty Discount
AUTO INSURANCE FAQS FOR HONDA VEHICLES
Is Honda insurance more expensive than average?
What factors affect the cost of insuring a Honda?
Does my Honda qualify for any insurance discounts?
What coverage do I need for my Honda?
How can I get a quote for Honda insurance?
Securing a Honda insurance quote is straightforward through CINCO Auto Insurance. CINCO's licensed agents evaluate rates across multiple trusted carriers to match you with appropriate coverage at a competitive price. Submitting your vehicle identification number, driver's license, ZIP code, estimated mileage, and current policy details allows CINCO to review your choices, apply eligible savings, and establish a policy tailored to your budget.
GET A FREE AUTO INSURANCE QUOTE FOR HONDA VEHICLES
Want dependable coverage that matches your Honda lifestyle? CINCO Auto Insurance makes finding the right policy straightforward for every Honda owner, from Civic drivers to CR-V families. Complete our simple online form, and our knowledgeable team will reach out to discuss coverage options tailored to your vehicle.
Prefer to talk directly? Contact us via phone call, email, or visit our office for assistance. Get your free auto insurance quote today and drive with lasting confidence!
CR-V
Pilot
Accord
Civic
Other
CINCO CARES - JUST ASK OUR CUSTOMERS!
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Chris Daniels
Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.
Johnny Reighard
Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.
Lloyd
This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!
Kevin Hernandez
I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.
Marcos Guido
Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.
Cliffton Boykin
Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!
Rick Ciesielski
Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.
Kellye Carothers
Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.
Joss M
I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.
Tashara
Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.
Brandon Reyes
I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!
Edward Medina
Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.
Arturo Rodriguez
I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.
Maria Martinez
Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.
Abby Frausto
Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!
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