Cheap Honda Car Insurance in 2024 (Secure Low Rates With These 10 Companies)

The top pick for cheap Honda car insurance is Geico, offering the most competitive rates starting at just $37 per month.

Geico, Safeco, and Liberty Mutual are among the best car insurance companies for comprehensive coverage and customizable plans, offering unbeatable rates, extensive coverage, and flexible policy options..

Our Top 10 Company Picks: Cheap Honda Car Insurance

Whether seeking the lowest premium or the best overall value, these companies offer excellent choices for your Honda insurance needs. Ready to find cheaper car insurance coverage? Enter your ZIP code above to begin.

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#1 – Geico: Top Overall Pick

Pros

• Affordable Rates: Geico offers the lowest monthly rate at $37, making it an excellent option for Honda drivers looking to minimize their car insurance costs without sacrificing coverage quality.
• Generous Bundling Discount: With a 15% bundling discount, Honda policyholders can further reduce their overall insurance expenses by combining policies like home and auto.
• Strong Reputation: Geico is widely recognized for its dependable customer service, making claims easy for Honda owners to file and manage through a streamlined process. Learn more in our Geico review.
• User-Friendly Platform: Geico provides one of the most intuitive and accessible online platforms, allowing Honda car insurance policyholders to manage their policies and file claims digitally with ease.

Cons

• Limited Local Agent Support: Geico primarily operates online, so Honda policyholders preferring in-person interactions might find the limited local agent availability inconvenient.
• Customization Options: While Geico offers a range of standard coverage options, it lacks the extensive customization that Honda drivers with unique needs might want.
• Discount Availability: Some of Geico’s discounts are only available in specific states, limiting savings opportunities for Honda car insurance customers depending on location.

#2 – Safeco: Best for Full Protection

Pros

• Competitive Pricing: At just $38 per month, Safeco offers full protection at a competitive price for Honda drivers seeking comprehensive car insurance without overspending.
• Decent Bundling Discount: Safeco offers Honda policyholders a 14% bundling discount when they combine auto insurance with homeowners’ or renters insurance.
• Comprehensive Coverage: Safeco stands out for its broad protection options, including accident forgiveness, offering peace of mind for Honda owners seeking full protection on the road.
• Local Agents: Honda car insurance policyholders with Safeco can access personalized advice and service through local agents, ensuring tailored solutions and support.  Learn how in our SAFECO review.

Cons

• Customer Service Issues: Safeco’s customer service has faced criticism for inconsistency, with some Honda policyholders expressing dissatisfaction regarding the timeliness and responsiveness of support.
• Slower Claims Processing: There have been complaints about delays in processing claims, which may concern Honda drivers who need quick resolutions after accidents or damage.
• Digital Tools: Safeco’s online platform is not as advanced as competitors, making it more difficult for Honda owners to manage their policies and file claims conveniently online.

#3 – Liberty Mutual: Best for Customizable Plans

Pros

• Tailored Coverage: Liberty Mutual allows Honda drivers to fully customize their car insurance policies, offering a range of add-ons and coverage options to suit individual needs, all starting at $39 per month.
• Affordable Rates: With a monthly rate of $39, Liberty Mutual strikes a good balance between affordable pricing and customizable coverage for Honda car insurance policyholders.
• Discounts Available: Honda owners can take advantage of a 10% bundling discount, along with several other discounts, to help reduce the overall cost of their car insurance policies.
• Flexible Policy Options: Liberty Mutual provides flexible policy options that can be adjusted to fit the needs of Honda owners. Read our Liberty Mutual review to learn what’s offered.

Cons

• Higher Premiums for Full Coverage: While Liberty Mutual offers competitive rates for basic coverage, premiums can increase significantly for Honda policyholders who opt for full coverage or add-ons.
• Online Experience: Some Honda drivers may find Liberty Mutual’s online platform less intuitive compared to competitors, making it difficult to navigate and manage policies digitally.
• Discount Limitations: Though Liberty Mutual offers several discounts, the availability can be restricted by state, limiting some Honda car insurance policyholders from accessing these savings.

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#4 – Auto-Owners: Best for Local Agents

Pros

• Competitive Pricing: Auto-Owners offers affordable rates at $41 per month, making it a great choice for Honda drivers who want a mix of cost-effective car insurance and personalized service.
• Local Agent Support: Auto-Owners provides Honda policyholders with access to a network of local agents, offering personalized service and guidance for managing their car insurance.
• Strong Claims Satisfaction: Honda car insurance policyholders often report high satisfaction with Auto-Owners’ claims process, noting quick resolutions and helpful support.
• Family-Owned Values: Auto-Owners focuses on long-term customer relationships, appealing to Honda owners who prefer a personalized, community-driven approach to car insurance.

Cons

• Limited State Availability: Auto-Owners aren’t available in all states, which may be a drawback for Honda drivers looking for coverage outside of its service areas. Learn more in our Auto Owners review.
• Lack of Modern Digital Tools: Honda policyholders who prefer managing their car insurance online might find Auto-Owners’ digital platform less user-friendly compared to competitors.
• Lower Bundling Discount: At 12%, Auto-Owners’ bundling discount is smaller than some other insurers, potentially reducing the savings for Honda car insurance policyholders who combine policies.

#5 – American Family: Best for Family Coverage

Pros

• Family-Oriented Policies:American Family offers tailored insurance for families, making it a great option for Honda owners. Get comprehensive coverage for multiple members for just $43 a month.
• Solid Discounts: Honda car insurance policyholders can benefit from a 13% bundling discount and additional family-related discounts, such as those for young drivers or safe driving habits.
• Affordable Rates: American Family offers competitive rates, with a $43 monthly premium, making it an attractive option for families who drive Honda vehicles and need cost-effective coverage.
• Local Agent Network: With a network of local agents, Honda policyholders can receive personalized assistance in managing their insurance policies and addressing any concerns.

Cons

• Limited Availability: American Family is only available in 19 states, potentially limiting access for Honda drivers outside of these regions. Learn how in our AmFam homeowners insurance review.
• Inconsistent Customer Service: Some Honda owners have reported variability in the quality of customer service, with experiences differing based on location or agent.
• Slower Claims Process: There are occasional complaints about the speed of claims processing, which might be a concern for Honda car insurance policyholders looking for quick resolutions.

#6 – State Farm: Best for Reliable Coverage

Pros

• Trusted Brand: State Farm has a long-standing reputation for reliability, providing Honda drivers with dependable coverage for just $45 per month, making it a trusted name in the car insurance industry.
• Discounts for Safe Drivers: Honda policyholders who maintain a clean driving record can access multiple discounts, including safe driver and accident-free discounts, helping to lower their premiums.
• Nationwide Network: State Farm has an extensive network of agents and offices across the country, making it easy for Honda owners to find personalized support and service anywhere.
• Good Mobile App: The State Farm app makes it easy for Honda car insurance policyholders to manage their policies, file claims, and access roadside assistance from their smartphones.

Cons

• Higher Rates for Full Coverage: While State Farm offers affordable liability coverage, Honda policyholders looking for full coverage may find premiums higher compared to other providers.
• Limited Customization: State Farm may not offer as many customizable options as some competitors, which might limit choices for Honda drivers with unique coverage needs.
• Discounts Vary by Location: Not all discounts are available, which could restrict savings for some Honda car insurance policyholders. For a complete list, read our State Farm review.

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#7 – Travelers: Best for Comprehensive Plans

Pros

• Wide Range of Coverage: Travelers provides extensive coverage options, making it ideal for Honda drivers seeking comprehensive protection with rates starting at $46 per month.
• Discounts for Hybrid Vehicles: Travelers offers specific discounts for Honda owners who drive hybrid or electric vehicles, rewarding eco-friendly choices with lower premiums.
• Bundling Opportunities: Honda car insurance policyholders can save money by bundling their auto insurance with home or renters insurance, thanks to a 10% discount.
• Roadside Assistance: Travelers provide optional roadside assistance, offering Honda drivers added security in case of breakdowns or emergencies on the road.

Cons

• Average Customer Service: Some Honda owners have reported average customer service experiences, with responses not as quick or efficient as other providers. Read our Travelers review for a full list.
• Higher Premiums for Full Coverage: Travelers’ full coverage options can be on the pricier side, which may not be ideal for Honda policyholders on a tighter budget.
• Limited Local Agent Availability: Travelers may not have as extensive a local agent network as some other providers, which could limit personalized service for Honda drivers in certain areas.

#8 – Farmers: Best for Flexible Policies

Pros

• Flexible Coverage Options: Farmers provides Honda drivers with a variety of policy options, allowing them to tailor their car insurance plans based on their needs, with rates starting at $48 per month.
• Discounts for Multiple Vehicles: Honda owners with more than one vehicle can benefit from Farmers’ multi-car discount, making it easier to insure multiple Hondas at a reduced rate.
• Strong Claims Support: Farmers is known for its robust claims process, making it a good choice for Honda policyholders seeking fast and fair claims resolutions. Find out more in our Farmers review.
• Local Agents Available: Honda car insurance customers can access personalized support through a network of local Farmer’s agents, offering hands-on guidance and advice.

Cons

• Higher Premiums: Farmers’ premiums tend to be higher than average, especially for full coverage, which might not be ideal for Honda drivers looking for the cheapest option.
• Limited Digital Tools: Honda policyholders may find Farmers’ digital platform lacking compared to competitors, which could make it less convenient for those preferring online account management.
• Discount Availability: Some discounts and special offers are only available in specific states, which could reduce savings opportunities for Honda car insurance customers.

#9 – Progressive: Best for Large Networks

Pros

• Extensive Coverage Options: Progressive offers a wide range of coverage options and add-ons for Honda drivers, including gap insurance and roadside assistance, with rates starting at $49 per month.
• Snapshot Program: Honda owners can benefit from Progressive’s Snapshot program, which rewards safe driving habits with potential premium reductions. Read more in our review of Progressive.
• Large Network of Providers: Progressive has a vast network of agents and providers, giving Honda policyholders access to widespread service and support across the country.
• Discounts for Continuous Insurance: Honda car insurance customers with continuous coverage history can qualify for discounts, helping them save on their premiums.

Cons

• Price Increases After Accidents: Progressive has been noted for raising premiums significantly after at-fault accidents, which could be a drawback for Honda drivers involved in an incident.
• Higher Rates for Custom Coverage: Honda policyholders looking for custom or full coverage options may find Progressive’s rates higher than competitors offering similar services.
• Mixed Customer Service: Some Honda owners have reported varying experiences with Progressive’s customer service, with issues related to claims handling and policy management.

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#10 – Allstate: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Allstate’s accident forgiveness program ensures that Honda drivers’ rates won’t increase after their first accident, providing added peace of mind, with rates starting at $50 per month.
• Safe Driving Discounts: Honda policyholders who maintain a clean driving record can benefit from multiple discounts, helping to lower premiums over time.
• Bundling Discount: Allstate offers a 15% bundling discount, making it easier for Honda owners to save on their insurance when combining policies.
• Local Agents: Allstate provides Honda car insurance customers with access to local agents, offering personalized service and in-person support. Read our Allstate review for a full list.

Cons

• Higher Base Rates: Allstate’s base premiums, at $50 per month, are higher than some competitors, which may not appeal to Honda drivers on a tight budget.
• Inconsistent Customer Service: Some Honda owners have reported inconsistent experiences with Allstate’s customer service, particularly in claims handling and communication.
• Limited Coverage Customization: Allstate’s customization options are somewhat limited, which may not suit Honda drivers looking for highly tailored car insurance solutions.

Comparative Costs of Minimum vs. Full Coverage Rates for Cheap Honda Car Insurance

When exploring Honda car insurance options, it’s important to understand the distinctions between minimum and full coverage. Minimum coverage meets basic legal liability requirements and is typically more budget-friendly, with monthly rates starting at $37 with Geico and going up to $49 with Progressive.

Honda Car Insurance Monthly Rates by Provider & Coverage Level

Conversely, full coverage includes protection against theft, vandalism, and accidents, generally costing between $105 and $120 per month. Geico is an excellent choice for cost-conscious drivers, while Safeco offers comprehensive coverage that caters to diverse needs, and Liberty Mutual provides customizable plans for added flexibility. Many insurers also offer the best Honda car insurance discounts to help lower your premiums.

Car Insurance Discounts from the Top Providers for Ford

For instance, Allstate provides discounts for safe driving and multi-policy arrangements, while American Family rewards loyalty and multi-policy holders. Auto-Owners offers incentives for paying in full and safe driving, and Farmers has discounts for good students and safe drivers. Geico also provides savings through multi-policy options, while Liberty Mutual offers early signing and safe driving discounts.

Progressive rewards paperless options, and State Farm gives discounts for good students and multi-car insurance. By comparing these options, you can find effective and affordable coverage tailored to your needs.Find cheap car insurance quotes by entering your ZIP code below.

Protection Benefits and Discount Opportunities in Cheap Honda Car Insurance

Dealing with car damage or accidents can be overwhelming, but knowing how to navigate the claims process for your affordable Honda insurance can make it easier.

Follow these essential steps for a smoother experience:

• Report the Incident Promptly: Contact your insurance provider immediately to report any accident, damage, or theft. Quick reporting is crucial for budget-friendly Honda insurance policies to avoid delays in processing your claim.
• Document the Damage Thoroughly: Take clear photos of the damage to your Honda and any other vehicles or property involved. Write detailed descriptions of the incident, noting the date, time, and location. Proper documentation is key to ensuring your claim is processed smoothly.
• Submit Your Claim Accurately: Complete the required claim forms and attach supporting documents such as repair estimates and police reports. Accurate submissions can prevent potential disputes and delays.
• Understand the Assessment and Compensation: After submitting your claim, an insurance adjuster will evaluate the damage and determine the compensation based on your policy’s terms. Be aware of your policy limits and deductibles.

By following these steps, you can streamline the claims process for your Honda insurance and explore military car insurance discounts and tips to save on your premiums.

Summary: Affordable Options for Cheap Honda Car Insurance

Finding affordable car insurance for your Honda involves evaluating several key factors, including the differences between minimum and full coverage, available safety features, and comparing providers. To maximize savings, explore the best car and home insurance discounts, which can significantly lower your premium. Consider the claims process and digital capabilities when selecting a policy.

By comparing options from leading insurers like Geico, Safeco, and Liberty Mutual, you can make an informed decision that balances cost and protection, ensuring the right coverage for your needs. Ready to find affordable car insurance? Use our free comparison tool below to get started.

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