About $1,298 a year for full coverage on a national average — 10% less than the $1,438 average car. Insurers rate the Honda Element at an index of 90 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2009-2011).
The premium isn't spread evenly across the Honda Element: Property damage — damage you cause to other property — carries its highest loss index at 97, while Medical payments sits at 83. Those 14 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2011 Element sells for a median $13,900, so a year of cover costs 9.3% of the car's value. Calculated from 12 insurance-loss records and live US listing prices.
Why a Element costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,298: Liability (BI + PD) $623 · Collision $363 · Comprehensive $156 · Other (UM / PIP) $156.
How it changed by generation
Insurance-loss index of the Element across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Element has become cheaper to insure over time (-3 points).
What a Element costs by state
Where you park matters as much as what you drive. The Element's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Element est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Honda Element's loss index of 90 — your own quote also depends on age, record, deductible and ZIP.
Honda Element insurance — frequently asked
How much is insurance for a Honda Element?
About $1,298 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 90 applied to the US average premium.
Why is the Element expensive or cheap to insure?
For the Honda Element the costliest area is Property damage at an index of 97, covering damage you cause to other property — against 83 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Honda Element lands at 90, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 9.3% of what a 2011 Element sells for — $1,298 against a median price of $13,900. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 9.3% the Element sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Element can differ by hundreds between two drivers.
How we work this out
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