What is the average cost of insurance for a Honda Ridgeline Sport?
Most drivers pay $2,500 to $2,800 per year for full coverage on typical trucks. In the 78701 area, this averages $2,619 annually or about $218 per month. Minimum coverage runs lower at $688 to $974 per year.
Here's what you need to know:
| Coverage Type | Annual Cost in Austin | Monthly Cost |
|---|---|---|
| State Minimum | $688 | $57 |
| Liability Only | $974 | $81 |
| Full Coverage | $2,619 | $218 |
| Non-Owners | $471 | $39 |
"Full coverage in Austin costs 19% more than the Texas average due to traffic and theft risks," says the MoneyGeek 2025 analysis (Source: MoneyGeek, 2025). According to Insure.com's 2026 Austin data, Texas Farm Bureau offers the lowest full coverage at $1,455 per year (Source: Insure.com Austin Report, 2026).
Factors That Affect Your Rate
Your exact cost depends on key details. Age matters a lot. Drivers aged 40-49 pay the least at $2,156 to $2,280 yearly in Texas. Young drivers under 20 face $3,209 to $3,381 (Source: Experian Texas 2026 Data).
Location in 78701 pushes rates up. Austin sees $158 monthly for full coverage, above the state average of $139 (Source: MoneyGeek, 2025). Clean records save money. One DUI adds 67% to premiums (Source: Bankrate Texas Report, 2026).
Credit score changes everything. Exceptional credit (800+) drops rates to $1,471 yearly. Very poor credit (below 580) hits $3,112 (Source: The Zebra Texas Rates, 2025).
Tips to Lower Your Insurance Costs
Shop around. Texas Farm Bureau and Redpoint lead with $1,455 and $1,725 full coverage in Austin. Get quotes from three companies.
Pick higher deductibles. Bundle home and auto for 10-25% off. Maintain good credit and avoid tickets.
Drive safely. Safe drivers save up to 30%. Install anti-theft devices for trucks prone to theft.
Sidekick helps you track ownership costs like insurance. Enter your details for a personalized total cost score based on real owner data.
Average Rates by Coverage (Texas 2026 Data, N=85K Quotes)
- Full coverage: $2,672/year ($223/month)
- Minimum liability: $929/year ($77/month)
Rates come from January 2026 Experian data and Bankrate quotes through July 2025. As of March 2026, Austin truck owners report similar figures. Compare now to lock in savings.