Honda
Prologue Insurance Cost 2026
The Honda Prologue averages $2,400/year for full-coverage insurance — 14% below the $$2,800 EV national average. Real cost varies from $1,320/yr in Vermont to $4,320/yr in Michigan — a 3.3× spread for the same vehicle.
Why the Honda Prologue costs what it does to insure
Among the cheapest EVs to insure — at or below the average gas-car premium.
Three factors specifically drive the Honda Prologue's premium:
- Honda's strong safety reputation keeps claim frequency low
- Shared GM Ultium platform benefits from broad parts availability
- Mid-size crossover — moderate repair costs
Honda Prologue insurance cost by state (all 50 + DC)
Estimated annual full-coverage premium. Each state's cost = the $2,400 national average × that state's actuarial multiplier. Real quotes vary ±20% based on city, age, credit tier, and driving record.
| State | Multiplier | Estimated annual | vs. Honda Prologue avg |
|---|---|---|---|
| Michigan | 1.80× | $4,320 | +$1,920 |
| Florida | 1.55× | $3,720 | +$1,320 |
| Louisiana | 1.50× | $3,600 | +$1,200 |
| Nevada | 1.25× | $3,000 | +$600 |
| New York | 1.25× | $3,000 | +$600 |
| New Jersey | 1.20× | $2,880 | +$480 |
| California | 1.15× | $2,760 | +$360 |
| Delaware | 1.15× | $2,760 | +$360 |
| District of Columbia | 1.10× | $2,640 | +$240 |
| Georgia | 1.10× | $2,640 | +$240 |
| Maryland | 1.10× | $2,640 | +$240 |
| Rhode Island | 1.10× | $2,640 | +$240 |
| Colorado | 1.05× | $2,520 | +$120 |
| Connecticut | 1.05× | $2,520 | +$120 |
| South Carolina | 1.05× | $2,520 | +$120 |
| Missouri | 1.00× | $2,400 | $0 |
| Texas | 1.00× | $2,400 | $0 |
| Oklahoma | 0.98× | $2,352 | $-48 |
| Arizona | 0.95× | $2,280 | $-120 |
| Alabama | 0.92× | $2,208 | $-192 |
| Mississippi | 0.92× | $2,208 | $-192 |
| New Mexico | 0.92× | $2,208 | $-192 |
| Kentucky | 0.90× | $2,160 | $-240 |
| Pennsylvania | 0.90× | $2,160 | $-240 |
| Arkansas | 0.88× | $2,112 | $-288 |
| West Virginia | 0.88× | $2,112 | $-288 |
| Minnesota | 0.87× | $2,088 | $-312 |
| Tennessee | 0.85× | $2,040 | $-360 |
| Illinois | 0.82× | $1,968 | $-432 |
| Kansas | 0.82× | $1,968 | $-432 |
| Montana | 0.82× | $1,968 | $-432 |
| Massachusetts | 0.80× | $1,920 | $-480 |
| Nebraska | 0.80× | $1,920 | $-480 |
| North Carolina | 0.80× | $1,920 | $-480 |
| Utah | 0.80× | $1,920 | $-480 |
| Wyoming | 0.80× | $1,920 | $-480 |
| Indiana | 0.78× | $1,872 | $-528 |
| North Dakota | 0.78× | $1,872 | $-528 |
| Washington | 0.78× | $1,872 | $-528 |
| Alaska | 0.75× | $1,800 | $-600 |
| South Dakota | 0.75× | $1,800 | $-600 |
| Ohio | 0.72× | $1,728 | $-672 |
| Oregon | 0.72× | $1,728 | $-672 |
| Virginia | 0.70× | $1,680 | $-720 |
| Wisconsin | 0.70× | $1,680 | $-720 |
| Iowa | 0.67× | $1,608 | $-792 |
| Idaho | 0.65× | $1,560 | $-840 |
| New Hampshire | 0.62× | $1,488 | $-912 |
| Hawaii | 0.60× | $1,440 | $-960 |
| Maine | 0.60× | $1,440 | $-960 |
| Vermont | 0.55× | $1,320 | $-1,080 |
How the Honda Prologue compares to other below average-tier EVs
Insurance tier is the strongest predictor of cost across the EV market. Here's how the Honda Prologue stacks up against other below average-tier vehicles in our dataset:
See your personalized Honda Prologue insurance estimate
These state averages are useful as a benchmark, but they miss the 30-80% variation driven by your age, credit tier, driving record, coverage limits, and deductible. Plug your details into our estimator and get a number tailored to you — then compare real quotes from 20+ insurers.
Use the personalized estimator →Frequently asked questions
How much does Honda Prologue insurance cost on average?
The Honda Prologue averages $2,400/year for full-coverage insurance across the United States. That's $400 (14%) below the $2,800 EV national average, and $86 above the $2,314 all-cars national average. Your actual rate will vary by 30-80% based on state, age, credit, and driving record.
What's the cheapest state to insure a Honda Prologue?
Vermont is the cheapest US state for Honda Prologue insurance, averaging about $1,320/year — that's roughly 45% below the national average. Vermont benefits from low population density, lower accident frequency, and consumer-protection-oriented insurance regulation. Other low-cost states for this vehicle include Maine ($1,440), Hawaii ($1,440), New Hampshire ($1,488).
Why is Honda Prologue insurance more expensive in some states?
Michigan tops the list at $4,320/year for the Honda Prologue — about 3.3× what Vermont drivers pay. The gap is driven by state-level factors: Michigan's no-fault system and unlimited PIP requirement, Florida's litigation costs and hurricane exposure, Louisiana's high uninsured-driver rate, and Nevada/New York's urban density. Vehicle-specific repair costs are roughly the same in any state; the variation is almost entirely state regulation and demographics.
Why does the Honda Prologue fall in the "below average" insurance tier?
Among the cheapest EVs to insure — at or below the average gas-car premium. Specifically for the Honda Prologue: Honda's strong safety reputation keeps claim frequency low. Shared GM Ultium platform benefits from broad parts availability. Mid-size crossover — moderate repair costs.
How can I lower my Honda Prologue insurance?
Five tactics consistently work: (1) shop at least three quotes — drivers who do save 15-25% vs auto-renewing, (2) bundle home + auto for 5-15% off, (3) raise your deductible from $500 to $1,000 for ~10-12% savings, (4) ask about EV-specific discounts (many carriers now offer them), (5) consider usage-based programs if you drive under 10,000 mi/year.
Does the Honda Prologue cost more to insure than a comparable gas car?
Yes — by about $86/year on average (4% more than the $2,314 all-cars average). That gap exists because of higher repair costs (battery damage, aluminum body panels, proprietary parts) and limited certified shop networks. The gap has narrowed from ~25% in 2022 as EV repair networks expanded, but it hasn't closed entirely.