Carrier vs. Carrier Comparisons
The best car insurance companies for Hondas are Progressive, Allstate, and Geico, offering the most competitive rates and comprehensive insurance coverage options.
These providers stand out not only for their affordability, with plans starting at just $60/month, but also for their user-friendly online management tools and unique usage-based insurance (UBI) savings programs.
| Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | 12% | A+ | Online Management | Progressive |
 |
#2 | 10% | A+ | UBI Savings | Allstate |
 |
#3 | 25% | A++ | Coverage Options | Geico |
 |
#4 | 20% | A | Family Plans | Farmers |
 |
#5 | 25% | A++ | Military Drivers | USAA |
 |
#6 | 20% | A+ | Deductible Options | Nationwide |
 |
#7 | 25% | A | Affinity Discounts | Liberty Mutual |
 |
#8 | 20% | B | Local Agents | State Farm |
 |
#9 | 8% | A++ | Low-Mileage Drivers | Travelers |
 |
#10 | 20% | A | Claims Service | American Family |
Progressive Snapshot helps Honda drivers save 30% with usage-based insurance, but Allstate offers more options with a mileage-only option that won't raise Honda insurance rates for bad driving.
Get the right Honda insurance at the best price — enter your ZIP code to shop for coverage near you.
What You Should Know
- Progressive offers Honda insurance rates that start at $60/month
- Low-mileage drivers get the best rates with Allstate
- The top three Honda insurance companies are available in all 50 states
#1 – Progressive: Top Overall Pick
Pros
- Extensive Online Tools: Progressive offers comprehensive online management features specifically tailored to simplify policy adjustments and claims for Honda owners.
- Competitive Rates: Known for offering affordable pricing, starting as low as $80/month specifically tailored for Honda vehicles. Compare rates in our Progressive reviews.
- Usage-Based Savings: Honda drivers can save up to 30% when they sign up for Progressive Snapshot.
Cons
- Complex Navigation: Some Honda owners might find the abundance of online tools overwhelming.
- Dependence on Digital: Progressive heavily relies on internet access for policy management, potentially disadvantaging Honda owners with limited online accessibility.
#2 – Allstate: Best for UBI Savings
Pros
- UBI Savings: Allstate offers unique usage-based insurance for safe and low-mileage Honda drivers. Learn more in our Allstate review.
- Customizable Discounts: Provides various discounts that Honda drivers can tailor to their driving style and habits, maximizing their savings.
- Innovative Tools: Allstate features cutting-edge technology that aids Honda owners in managing their policies and tracking their driving habits efficiently.
Cons
- Variable UBI Effectiveness: The savings from UBI may vary significantly among Honda drivers, depending on driving patterns and location.
- Limited Availability: UBI programs and specific discounts may not be available for all Honda owners in every region.
#3 – Geico: Best for Coverage Options
Pros
- Extensive Coverage Options: Geico offers a wide range of coverage options that provide comprehensive protection for Hondas against various risks.
- Affordable Premiums: Geico is known for competitive Honda car insurance rates starting at $70/month.
- Efficient Claims Process: Geico's streamlined insurance claims process ensures quick and efficient resolution for Honda owners.
Cons
- Generic Policies: Some Honda owners might find Geico's coverage options lack customization compared to competitors.
- Customer Service Variability: Customer experience can vary, potentially affecting Honda owners during claims and policy management.
#4 – Farmers: Best for Family Plans
Pros
- Family Plan Benefits: Farmers offers attractive discounts and benefits for families with multiple Hondas. Explore more in our Farmers review.
- Multiple Discounts: Farmers auto insurance discounts help Honda drivers save between 7%-30%.
- Dedicated Support: Personalized customer service focused on families with Hondas, ensuring tailored advice and assistance.
Cons
- Higher Premiums: Premiums may be higher for families insuring several Hondas under one policy.
- Complex Policy Management: Managing multiple coverage plans for Hondas can be challenging and time-consuming.
#5 – USAA: Best for Military Drivers
Pros
- Military Discounts: USAA provides exclusive rates and discounts for military members and their families who own Hondas.
- Tailored Services: Read our USAA reviews for services and support specifically tailored to meet the needs of military families with Hondas.
- High Customer Satisfaction: USAA is known for its exceptional customer service, benefiting Honda owners in the military.
Cons
- Eligibility Restrictions: USAA services are only available to military members, veterans, and their families, limiting access for the general Honda-owning population.
- Limited Physical Presence: Fewer local agents and offices, which might affect Honda owners who prefer face-to-face interactions.
#6 – Nationwide: Best for Deductible Options
Pros
- Flexible Deductible Choices: Nationwide offers a variety of deductible options that can help Honda owners customize premiums and potential out-of-pocket costs.
- Accident Forgiveness: Nationwide provides accident forgiveness programs that prevent rates from increasing after a first at-fault accident involving a Honda.
- Loyalty Discounts: Long-term Honda owners benefit from loyalty discounts, reducing insurance costs over time. See our Nationwide reviews to understand how.
Cons
- Rate Fluctuations: Honda owners might experience rate changes upon policy renewal, which can be unpredictable and vary by state.
- Complex Claim Process: Some Honda owners may find Nationwide’s claim process to be complicated or slow compared to other insurers.
#7 – Liberty Mutual: Best for Affinity Discounts
Pros
- Affinity Discounts: Liberty Mutual offers discounts to Honda owners who are members of various organizations or groups.
- Customizable Coverage: Provides a wide range of coverage options that Honda owners can tailor to their specific needs.
- Online Tools: Advanced online management tools help Honda owners easily adjust their policies and file claims. Check out our Liberty Mutual reviews for a deeper look.
Cons
- Higher Base Rates: Some Honda owners might find Liberty Mutual’s base rates to be higher before applying discounts.
- Varied Customer Experiences: Customer service experiences can vary significantly, potentially affecting satisfaction for Honda owners.
#8 – State Farm: Best for Local Agents
Pros
- Personalized Service: State Farm’s network of local agents provides personalized service and tailored advice for Honda owners.
- Cheap Rates: State Farm has the cheapest Honda insurance rates at $65/month.
- Comprehensive Coverage: Offers a wide array of coverage options that meet the diverse needs of Honda owners. Read our State Farm review for comprehensive coverage details.
Cons
- Inconsistent Financial Ratings: A.M. Best recently downgraded State Farm's financial grade, posing potential risks for Honda insurance claim payouts.
- Inconsistent Agent Quality: The quality and service level of agents can vary by region, impacting the experience for Honda owners.
#9 – Travelers: Best for Low-Mileage Drivers
Pros
- Low-Mileage Discounts: Travelers offers 20% discounts for Honda owners who drive less than 10,000 miles per year.
- Custom Coverage Options: Provides customizable coverage that can be scaled to fit the lifestyle and usage patterns of Honda owners.
- Green Car Discounts: Honda owners with hybrid or electric models can receive additional discounts. Learn how in our Travelers review.
Cons
- Limited Discount Availability: The full range of discounts might not be available in all states or for all Honda models.
- Poor Claims Service: Travelers ranks below average for claims satisfaction, ruining the experience for some Honda drivers.
#10 – American Family: Best for Claims Service
Pros
- Efficient Claims Service: American Family is known for its efficient and responsive claims service, reducing hassle for Honda owners during stressful times.
- Proactive Communication: Offers proactive updates and communication throughout the claims process, keeping Honda owners well-informed.
- Customer Focus: Explore our American Family review to find out how AmFam prioritizes customer satisfaction, ensuring that Honda owners have a positive experience.
Cons
- Availability Issues: American Family insurance for Hondas is not available in all states.
- Rate Variabililty: Cheap Honda insurance rates with AmFam might depend on Costo membership criteria.
Comparing Car Insurance Rates for Hondas
When selecting car insurance for your Honda, it's crucial to compare both minimum and full coverage options to find the best fit for your budget and needs.
The table below shows a side-by-side comparison of monthly insurance premiums from various leading insurers. It provides insight into the costs associated with minimum and full coverage policies, enabling you to make a well-informed decision.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $90 | $160 |
| American Family | $85 | $155 |
| Farmers | $85 | $155 |
| Geico | $70 | $140 |
| Liberty Mutual | $95 | $170 |
| Nationwide | $75 | $145 |
| Progressive | $80 | $150 |
| State Farm | $65 | $135 |
| Travelers | $80 | $150 |
| USAA | $60 | $120 |
For Honda owners seeking affordable options, USAA offers the lowest full coverage rate at $120, closely followed by State Farm at $135.
In contrast, Allstate and Liberty Mutual present the highest monthly full coverage costs at $160 and $170 respectively.
You can get the lowest Honda car insurance quotes when you decide what kind of car insurance you really need.
How to Save Money on Honda Car Insurance
Honda owners can tap into a variety of discounts to lower their rates. Each company tailors discounts to different customer needs and driving behaviors, so you can stack discounts to get even bigger savings.
For example, Allstate and Progressive provide a comprehensive range of discounts including those for safe drivers, multi-policy holders, and early payment.
Geico caters especially to federal employees and military personnel alongside USAA, which caters to military members and their families.
Read More: How to Get Cheap Car Insurance
Usage-Based Car Insurance for Hondas
Consider usage-based car insurance (UBI) that tracks driving behavior and rewards safe habits, lowering insurance costs and optimizing coverage for your Honda.
Progressive Snapshot, Allstate DriveWise, and Geico DriveEasy all help safe drivers save money on Honda car insurance. If you don't drive often, avoid speeding and hard braking, and don't drive at night, you could save up to 30% with some of the best Honda insurance companies.
Get quotes from multiple insurance companies to compare rates and usage-based programs to find the most affordable options.
Evaluate the coverage options each insurer offers. Choose a policy that provides extensive protection against risks like accidents, theft, and natural disasters. Customizable plans are advantageous, allowing you to tailor coverage to your needs and driving habits.
Choosing the Right Honda Car Insurance Coverage
Comprehensive coverage options are essential to ensure your Honda is protected against a wide range of risks, including accidents, theft, and natural disasters.
Comprehensive coverage options should be a priority to protect your vehicle from a variety of risks, and comparing quotes from different companies can highlight the most cost-effective options tailored to your needs.
data-media-max-width="560">Control what you pay for car insurance with Snapshot from Progressive. Personalize your rate based on your driving habits. Give us a call today to find out more. #LaramieInvestmentCo #Progressive #Snapshot pic.twitter.com/mclJwDypex
— Insurance Solutions (@InsuranceWYO) May 14, 2020
Look for insurers that offer customizable plans, allowing you to tailor coverage to your specific requirements.
Protecting Your Honda With the Right Insurance
The best car insurance companies for Hondas are Progressive, Allstate, and Geico for competitive rates on extensive protection against various risks.
Customizable plans and add-ons allow you to adjust Honda insurance coverage to your needs. Utilize online tools and usage-based insurance programs from the best and cheapest car insurance companies to reduce costs and protect your Honda effectively.
Enter your ZIP code below to start comparing rates from the cheapest Honda car insurance companies near you.
Frequently Asked Questions
Who is Honda partnered with for insurance?
Honda has collaborated with various insurance providers over the years to offer tailored insurance products, but partnerships may vary by region and can change. It's best to check with local Honda dealers for the most current information.
Do Hondas cost more to insure?
Hondas are generally affordable to insure. Their reliability and the availability of parts typically keep insurance premiums lower than more luxury-oriented brands.
Who normally has the cheapest car insurance for Hondas?
Companies like Geico, State Farm, and Progressive often offer competitive rates for Hondas due to their strong safety features and lower risk profiles.
Discover the top ways customers have saved money on car insurance rates.
Are Honda insurance costs high compared to other brands?
Insurance costs for Hondas are usually in line with or slightly lower than those for comparable vehicles from other manufacturers, thanks to Honda's reputation for safety and durability.
Is it cheaper to insure an old or new Honda?
It is usually cheaper to insure an older Honda because its value depreciates over time, reducing the potential cost of a claim. However, newer models might benefit from better safety features that could translate to discounts.
Is Honda insurance more expensive?
Honda vehicles are generally considered economical to insure due to their high safety ratings and lower-than-average repair costs (Read More: Why is car insurance so expensive?).
What are the cheapest full-coverage auto insurance options for Hondas?
Look for providers offering competitive rates with discounts for safety features, multi-car policies, and clean driving records. Companies like USAA (for military families), Geico, and Progressive are often among the cheapest.
Which type of car insurance is the cheapest for Hondas?
Liability car insurance, which covers damage to other vehicles and injuries to other people in accidents where the insured is at fault, tends to be the cheapest type of Honda car insurance.
What are the general factors affecting Honda insurance rates?
Since the car make and model affect car insurance rates, factors include safety features, the cost of repairs, the likelihood of theft, and the frequency of claims for that model.
What is the cheapest Honda to insure?
Typically, smaller and less expensive models like the Honda Fit or Honda Civic are cheaper to insure due to their lower value and cost-effective repair expenses.