Cheap Honda Ridgeline Car Insurance in 2025 (Cash Savings With These 10 Companies!)

If you are considering purchasing a Honda Ridgeline, it’s important to also consider the cost of car insurance. Car insurance rates can vary significantly based on numerous factors such as your age, driving record, location, and the model of your vehicle.

In this article, we will explore the various factors that can affect the cost of Honda Ridgeline car insurance and discuss the different types of car insurance available for your Honda Ridgeline. Enter your ZIP code now.

#1 – Safeco: Top Overall Pick

Pros

• Affordable Premiums: Starting at $30 per month, Safeco offers one of the lowest rates available.
• Good Customer Service: Safeco is known for its responsive customer service and efficient claims handling.
• Variety of Coverage Options: They provide a wide range of coverage options to cater to different insurance needs.

Cons

• Availability: Safeco’s availability can be limited compared to larger national insurers. Learn more through our Safeco insurance reivew.
• Discounts: Some customers may find Safeco offers fewer discounts compared to competitors with broader market reach.

#2 – USAA: Best for Military Benefits

Pros

• Military Benefits: USAA offers extensive benefits and discounts tailored specifically for military members and their families.
• High Customer Satisfaction: Customers consistently rate USAA highly for its exceptional customer service and member support.
• Financial Stability: USAA boasts strong financial stability and reliability as a financial services provider. Read more through our USAA insurance review.

Cons

• Eligibility Requirements: USAA membership is limited to military personnel, veterans, and their immediate families.
• Limited Branches: While USAA offers online and phone services, it has fewer physical branches compared to larger insurers.

#3 – Erie: Best for Customer Service

Pros

• Competitive Rates: Erie Insurance provides competitive rates starting at $36 per month, appealing to budget-conscious consumers.
• Excellent Customer Service: Erie is well-regarded for its personalized customer service and attentive claims handling.
• Add-On Coverages: Erie offers a variety of optional add-on coverages to customize policies according to individual needs.

Cons

• Availability: Erie Insurance is available in a limited number of states, which may restrict options for some customers. Read more through our Erie insurance review.
• Discounts: Some customers may find Erie offers fewer discounts compared to larger national insurers.

#4 – State Farm: Best for Local Agents

Pros

• Local Agents: State Farm boasts an extensive network of local agents who provide personalized service and support.
• Strong Reputation: With a longstanding reputation for reliability, State Farm is trusted by many customers for their insurance needs.
• Wide Range of Products: In addition to auto insurance, State Farm offers a broad range of insurance products, providing comprehensive coverage options. Follow us through our State Farm insurance review.

Cons

• Higher Premiums: State Farm premiums tend to be slightly higher compared to some competitors offering budget options.
• Claim Handling: There are occasional mixed reviews regarding the speed and efficiency of State Farm’s claims processing.

#5 – Auto-Owners: Best for Add-on Coverages

Pros

• Customizable Policies: Auto-Owners Insurance offers highly customizable policies, allowing customers to tailor coverage to their specific needs. Learn more through our Auto-Owners insurance review.
• Strong Financial Ratings: With strong financial stability ratings, Auto-Owners provides peace of mind regarding their financial strength.
• Personalized Service: Customers appreciate Auto-Owners for its personalized service delivered through local agents who understand local market dynamics.

Cons

• Limited Availability: Auto-Owners Insurance may have limited availability in certain regions, potentially limiting choices for some customers.
• Higher Premiums: Premium rates with Auto-Owners Insurance are generally higher compared to budget-focused insurers in the market.

#6 – Progressive: Best for Competitive Rates

Pros

• Competitive Rates: Progressive is known for offering competitive rates, starting at $42 per month, with various discounts available.
• Innovative Tools: Progressive provides innovative tools like the Snapshot program, which can lower premiums based on driving habits.
• Extensive Coverage Options: Offers a wide range of coverage options and add-ons, including gap insurance and roadside assistance.

Cons

• Customer Service: Progressive has received mixed reviews regarding the quality of its customer service and claims handling.
• Rate Increases: Some customers report significant rate increases upon policy renewal. Read more through our Progressive insurance review.

#7 – Nationwide: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Nationwide offers accident forgiveness, which prevents your rates from increasing after your first at-fault accident.
• Vanishing Deductible: With the vanishing deductible program, your deductible decreases over time if you maintain a clean driving record.
• Comprehensive Coverage: Nationwide provides a broad range of coverage options, including comprehensive and collision coverage.

Cons

• Higher Premiums: Premiums start at $44 per month, which is higher compared to some other budget-friendly options.
• Claims Processing: Some customers have reported slow claims processing times. Learn more through our Nationwide insurance review.

#8 – Amica: Best for Customer Service

Pros

• Customer Service: Amica is highly rated for its excellent customer service and support. Learn more through our Amica insurance review.
• Dividend Policies: Offers dividend policies that can return a portion of your premium at the end of the policy term.
• Bundling Discounts: Provides significant discounts for bundling auto insurance with other types of insurance policies.

Cons

• Higher Cost: Starting premiums at $46 per month are on the higher end compared to some other insurers.
• Limited Availability: Amica is not available in all states, which can limit options for some customers.

#9 – Farmers: Best for First-Responder Discount

Pros

• First-Responder Discount: Farmers offers special discounts for first responders, which can make insurance more affordable for them.
• Personalized Service: Known for its personalized service through a network of local agents. Read more through our Farmers insurance review.
• Comprehensive Coverage Options: Provides a variety of comprehensive coverage options and additional endorsements.

Cons

• Higher Premiums: With starting premiums at $53 per month, Farmers is one of the more expensive options.
• Mixed Customer Reviews: There are mixed reviews regarding the consistency of customer service and claims handling.

#10 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Policies: Liberty Mutual offers highly customizable policies, allowing customers to tailor coverage to their specific needs.
• New Car Replacement: Provides a new car replacement program, which replaces your car with a brand-new one if it’s totaled within the first year.
• Extensive Discounts: Offers a variety of discounts, including for safe driving, bundling, and vehicle safety features. Read more through our Liberty Mutual insurance review.

Cons

• Highest Premiums: With starting premiums at $68 per month, Liberty Mutual is the most expensive option on this list.
• Mixed Claims Experience: Some customers report mixed experiences with the claims process, citing delays and communication issues.

Factors That Affect the Cost of Honda Ridgeline Car Insurance

Understanding the Different Types of Car Insurance for Honda Ridgeline

Tips for Finding Affordable Car Insurance for Your Honda Ridgeline

Common Mistakes to Avoid When Shopping for Honda Ridgeline Car Insurance