Best Honda Element Car Insurance in 2024 (Find the Top 10 Companies Here)
State Farm, Geico, and Erie offer best Honda Element car insurance, with rates starting at just $145 per month. These top insurers are known for their broad coverage options, competitive rates, and outstanding customer service, ensuring your Honda Element is well-protected on the road.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Aug 12, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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For the best Honda Element car insurance, check out State Farm, Geico, and Erie for their extensive coverage options, excellent customer service, and competitive pricing.
Honda Element car insurance rates are determined by a number of factors, such as the age of the driver. Teenagers have the highest Honda Element insurance rates at $342 every month.
Our Top 10 Company Picks: Best Honda Element Car Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 10% B Many Discounts State Farm
#2 15% A++ Custom Plan Geico
#3 12% A+ 24/7 Support Erie
#4 18% A+ Add-on Coverages Allstate
#5 14% A Local Agents Farmers
#6 20% A++ Military Savings USAA
#7 17% A+ Innovative Programs Progressive
#8 11% A Online App AAA
#9 13% A+ Usage Discount Nationwide
#10 16% A Customizable Polices Liberty Mutual
You can start comparing quotes for Honda Element car insurance rates from some of the best car insurance companies by using our free online tool now.
- Full coverage costs around $145 each month
- A liability-only policy costs around $38 each month
- Highest rates are for teenage drivers at around $342 each month
- Good drivers can save as much as $39 a month by earning policy discounts
- Honda Element insurance costs around $33 less monthly
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#1 – State Farm: Top Overall Pick
Pros
- Comprehensive Coverage: State Farm offers a wide array of coverage options for the Honda Element, including collision and comprehensive coverage, ensuring thorough protection. Learn more in our in our guide on State farm car insurance review.
- Extensive Agent Network: With a vast network of local agents, State Farm offers personalized service and easy access to expert advice. This local presence enhances their reputation as a top choice for the best Honda Element car insurance.
- Reliable Customer Service: The company is recognized for its dependable customer service and efficient claims processing, contributing to a smoother insurance experience.
Cons
- Higher Rates for Young Drivers: Premiums can be higher for younger drivers, who are considered higher risk. This could make State Farm less attractive for younger Honda Element owners seeking affordable coverage.
- Fewer Discounts: Compared to some competitors, State Farm may offer fewer discount opportunities, which could limit potential savings on the best Honda Element car insurance.
#2 – Geico: Best for Custom Plan
Pros
- Low Premiums: Renowned for its competitive rates, Geico frequently offers some of the lowest premiums available, making it a strong contender for cost-effective coverage.
- Efficient Online Tools: The company boasts a user-friendly app and website, streamlining policy management and claims processes for an easier experience. See more details on Geico car insurance review.
- Attractive Discounts: Geico offers numerous discounts, such as for safe driving and bundling multiple policies, which can further reduce costs for Honda Element insurance.
Cons
- Customer Service Variability: Some customers report mixed experiences with Geico’s customer service, particularly when handling claims. This variability can affect the overall perception of their service quality.
- Limited Local Presence: Geico’s focus on online operations means there are fewer local agents available, which might not suit those who prefer in-person assistance for their best Honda Element car insurance needs.
#3 – Erie: Best for 24/7 Support
Pros
- 24/7 Customer Support: Erie provides round-the-clock customer service, ensuring that help is available whenever you need it, which is crucial for finding the best Honda Element car insurance.
- Comprehensive Coverage: Erie offers a robust selection of coverage options, including additional protections that enhance the safety and security of your Honda Element.
- High Satisfaction Ratings: Known for excellent customer satisfaction, Erie’s clients often praise its efficient claims handling and customer support. Read it more in Erie car insurance review.
Cons
- Availability Limitations: Erie’s services are not available in every state, which might limit your access to their best Honda Element car insurance options depending on your location.
- Potentially Higher Premiums: Some customers may find that Erie’s premiums are slightly higher compared to other budget-friendly insurance providers.
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#4 – Allstate: Best for Add-on Coverages
Pros
- Extensive Agent Network: With a large network of agents, Allstate offers personalized service and local expertise for better insurance solutions. Learn more on Allstate car insurance review
- Robust Online Resources: Allstate’s strong online presence, including tools and resources, makes it convenient to manage your insurance and file claims.
- Attractive Discounts: Allstate offers several discounts, including those for safe driving and bundling, which can help reduce the cost of your Honda Element insurance.
Cons
- Potentially Higher Premiums: Some drivers may experience higher premiums with Allstate, which can affect affordability for those seeking the best Honda Element car insurance.
- Inconsistent Service Quality: The quality of service can vary depending on the local agent and region, potentially impacting your overall experience with Allstate.
#5 – Farmers: Best for Local Agents
Pros
- Customizable Policies: Offers a variety of policy options and add-ons that allow you to customize your coverage to fit your specific requirements.
- Good Discount Opportunities: Farmers provides several discounts for safe driving and bundling, which can help lower your insurance costs.
- Comprehensive Coverage: Known for offering robust coverage options that meet various needs and preferences. Delve into our evaluation of farmers car insurance review.
Cons
- Higher Premiums: Insurance premiums with Farmers might be higher compared to more budget-focused providers, potentially impacting affordability.
- Mixed Customer Reviews: Customer feedback can be inconsistent, with some users reporting issues with claims processing and service quality.
#6 – USAA: Best for Military Savings
Pros
- Military-Specific Benefits: USAA offers significant discounts and benefits for military members and their families, making it an excellent choice for eligible individuals. Check out insurance savings in our complete article on USAA car insurance review.
- Competitive Insurance Rates: Generally, provides very competitive rates for Honda Element insurance, which can be advantageous for those who qualify.
- Comprehensive Coverage Options: Offers a broad range of coverage options tailored to meet the needs of military personnel.
Cons
- Eligibility Restrictions: USAA’s services are limited to military members, veterans, and their families, excluding other potential customers.
- Primarily Online Services: USAA mainly operates online, which might not be ideal for those who prefer in-person interactions with their insurance provider.
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#7 – Progressive: Best for Innovative Programs
Pros
- Innovative Programs: Progressive features unique insurance programs like Snapshot, which tracks driving habits to offer personalized rates for the Honda Element.
- Customizable Coverage: Offers a range of customizable coverage options to suit individual needs and preferences. More information is available about this provider in our Progressive car insurance review.
- Effective Online Tools: Provides user-friendly online tools and resources for managing your policy and handling claims efficiently.
Cons
- Inconsistent Customer Service: Some users report inconsistent experiences with customer service, particularly regarding claims processing.
- Potentially Higher Rates for Some: Rates might be higher for drivers with certain risk profiles, which could impact the overall cost of the best Honda Element car insurance.
#8 – AAA: Best for Online App
Pros
- Comprehensive Coverage Options: AAA offers extensive coverage options for the Honda Element, ensuring robust protection against various risks.
- Roadside Assistance: Includes excellent roadside assistance services as part of its insurance offerings, providing added convenience.
- Member Discounts: AAA members can access additional discounts and benefits, which can enhance overall value. Learn more about it on AAA car insurance review.
Cons
- Membership Requirement: Some benefits may require AAA membership, which might not be ideal for those who do not belong to the organization.
- Potentially Higher Premiums: Insurance rates with AAA can sometimes be higher compared to more budget-friendly options, affecting affordability.
#9 – Nationwide: Best for Usage Discount
Pros
- Usage-Based Discounts: Offers discounts based on driving behavior through programs like SmartRide, which can help reduce your insurance costs for the Honda Element. Get more information on Nationwide car insurance discounts,
- Customizable Policies: Provides a variety of policy options and add-ons to tailor coverage to your specific needs.
- Comprehensive Coverage: Known for offering a broad range of coverage options to suit various preferences and needs.
Cons
- Limited State Availability: Nationwide may not be available in all states, which could limit access for some drivers seeking the best Honda Element car insurance.
- Potentially Variable Premiums: Insurance rates may vary based on factors like driving history and location, which could affect overall cost.
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#10 – Liberty Manual: Best for Customizable Polices
Pros
- Attractive Discount Options: Provides numerous discounts for safe driving and bundling policies, which can help lower your insurance costs.
- Comprehensive Coverage: Known for offering robust and comprehensive coverage options to meet diverse needs. Discover more about offerings in our article called Liberty Mutual car insurance review.
- Effective Online Management: Features effective online tools for managing your policy and handling claims efficiently.
Cons
- Higher Premiums: Rates with Liberty Mutual might be higher compared to more budget-focused insurers, potentially affecting affordability.
- Mixed Customer Reviews: Some users report varying experiences with customer service and claims processing, which can impact overall satisfaction.
Are Honda Elements Expensive to Insure?
The chart below details how Honda Element insurance rates compare to other SUVs like the Acura MDX, Toyota Land Cruiser, and Volvo XC90.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Acura MDX | $376 | $562 | $372 | $1,468 |
| Toyota Land Cruiser | $420 | $774 | $398 | $1,750 |
| Volvo XC90 | $346 | $600 | $390 | $1,494 |
| Chevrolet Suburban | $336 | $532 | $372 | $1,398 |
| Volkswagen Tiguan | $306 | $542 | $332 | $1,316 |
| Hyundai Santa Fe | $294 | $562 | $372 | $1,386 |
The chart above shows how Honda Element insurance rates compare to other SUVs like the Acura MDX, Toyota Land Cruiser, and Volvo XC90, with the Honda Element generally offering more affordable coverage options.
Honda Element Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $88 $248
Allstate $41 $129
Erie $71 $222
Farmers $70 $205
Geico $60 $182
Liberty Mutual $60 $176
Nationwide $71 $225
Progressive $66 $199
State Farm $52 $145
USAA $62 $179
However, there are a few things you can do to find the cheapest Honda insurance rates online. You can save money on car insurance discounts.
What Impacts the Cost of Honda Element Insurance?
The Honda Element trim and model you choose can impact the total price you will pay for Honda Element car insurance coverage. You can check out through our best car insurance for high-risk drivers.
Higher trims with advanced features or performance capabilities may result in higher premiums due to increased repair and replacement costs. Conversely, more basic trims might offer lower insurance rates.
Additionally, factors such as the vehicle’s safety features and its overall value can also impact the total price you’ll pay for Honda Element car insurance coverage. Enter your ZIP code now.
Age of the Vehicle
The average Honda Element car insurance rates are higher for newer models. For example, car insurance for a 2011 Honda Element costs $1,124, while 2010 Honda Element insurance costs are $1,104, a difference of $20.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2011 Honda Element | $196 | $310 | $460 | $1,124 |
| 2010 Honda Element | $190 | $292 | $464 | $1,104 |
Driver Location
Your location plays a significant role in determining Honda Element insurance rates. Insurance premiums can vary widely based on regional factors such as local traffic conditions, crime rates, and accident statistics.
For instance, drivers in Los Angeles might face higher insurance costs, potentially paying $13 more per month compared to drivers in Houston.
This difference arises because areas with higher traffic congestion, more frequent accidents, or elevated crime rates typically lead to increased insurance premiums. Consequently, where you live can substantially affect the overall cost of insuring your Honda Element.
Honda Element Safety Ratings
Your Honda Element car insurance rates are influenced by the safety ratings of the Honda Element. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Honda Element Crash Test Ratings
Good Honda Element crash test ratings mean the VW is safer, which could mean cheaper Honda Element car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| Honda Element | N/R | N/R | N/R | 3 Stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
This enhanced safety profile can potentially lead to lower insurance premiums, as insurance providers often offer reduced rates for vehicles with high safety ratings.
Lower risk of injury or extensive damage translates to fewer claims and reduced costs for insurers, which can be reflected in cheaper Honda Element car insurance rates for drivers.
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Top Honda Element Insurance Companies
Several insurance companies offer competitive rates for the Honda Element based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Honda Element drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
The top car insurance companies for Honda Element drivers, organized by market share, include those that are particularly popular due to their favorable pricing, comprehensive coverage options, and attractive discounts.
Reviewing these top providers can help you find the best insurance rates and policies tailored to your Honda Element, ensuring you get optimal coverage and savings.
Compare Free Honda Element Insurance Quotes Online
Begin comparing quotes for Honda Element insurance from best car insurance providers using our free online tool today.
This tool allows you to easily obtain and compare quotes from multiple insurers, helping you find the best coverage options and rates tailored to your needs.Kristen Gryglik Licensed Insurance Agent
By evaluating various offers, you can make an informed decision and secure the most cost-effective and comprehensive insurance for your Honda Element. Enter your ZIP code now.
Frequently Asked Questions
What is the monthly cost of car insurance for a Honda Element?
On monthly, car insurance rates for a Honda Element are around $145 per month.
Are Honda Elements expensive to insure?
Compared to other SUVs like the Acura MDX, Toyota Land Cruiser, and Volvo XC90, Honda Element insurance rates are generally affordable.
However, rates can vary based on factors such as your location, driving record, and the specific trim and model of the vehicle. Enter your ZIP code now.
What factors impact the cost of Honda Element insurance?
Several factors can influence the cost of Honda Element car insurance, including the age of the vehicle, the driver’s age, location, driving record, and safety features of the Honda Element. The discount can significantly lower insurance costs when bundling multiple policies.
How can I save on Honda Element insurance?
State Farm, Geico, and Erie provide top Honda Element insurance with competitive rates. Compare quotes for the best deals and seek discounts for safety features and bundling. Comprehensive coverage is required if financed, and a clean driving record can lower premiums.
Is comprehensive coverage necessary for a financed Honda Element?
If you are financing a Honda Element, most lenders will require comprehensive coverage in addition to liability coverage. Comprehensive coverage protects against damages not caused by a collision, such as theft, vandalism, or natural disasters.
It’s important to check with your lender to understand their specific insurance requirements for a financed vehicle. Enter your ZIP code now.
What are the top insurance companies for Honda Element?
State Farm, Geico, and Erie are among the best for Honda Element insurance, offering competitive rates, broad coverage, and strong customer service.
Additionally, certain features such as advanced safety systems, navigation systems, or high-end audio equipment can also impact insurance rates.
How can I find the best rates for Honda Element insurance?
Compare quotes from multiple insurers using online tools and look for discounts for safe driving, bundling policies, and vehicle safety features.
Are there discounts for Honda Element insurance?
Yes, discounts may include safe driving, multi-policy bundles, vehicle safety features, and low mileage. Enter your ZIP code now.
Is comprehensive coverage needed for a financed Honda Element?
Yes, lenders typically require comprehensive coverage to protect against non-collision damages. You may compare comprehensive car insurance.
How does my driving record impact insurance rates?
A clean driving record can lower rates, while a history of accidents or violations may increase premiums.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
