Cheap 2024 Honda HR-V Car Insurance Cost

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 15, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Finding low cost coverage rates for insurance coverage is always nearly impossible for drivers who are beginners to comparing prices online. You have so many companies to choose from that it can quickly become hard work to find better prices.

You need to compare prices before your policy renews due to the fact that insurance prices tend to go up over time. If you had the lowest rate on HR-V insurance two years ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate one of the easiest ways to find great coverage at a great price.

First Step: Get free car insurance quotes

Many insurance companies make it easy to get coverage price quotes on the web. Comparing rates online is pretty painless because it’s just a matter of typing in into a form. After the form is submitted, the quote system will obtain your driving record and credit report and generates pricing information based on many factors.

Online price estimates helps simplify price comparisons, but having to visit several different sites and type in the same information can be a bit repetitive. Unfortunately, it is important to get many rate quotes in order to find the best price on car insurance.

The preferred way to lower your car insurance bill is to use a quote form that analyzes rates from more than one company. It’s a real time-saver, reduces the work, and makes quoting online much more enjoyable. Once the form is submitted, it is quoted and you are able to buy any one of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and buy the policy. It takes 15 minutes at the most and you’ll know if lower rates are available.

To quickly fill out one form to compare multiple rates now, simply enter your zip code here and begin entering your coverage information. If you have coverage now, it’s recommended you complete the form with the coverages just like they are on your policy. Doing this assures you’re receiving a fair comparison based on identical coverages.

Lower your insurance coverage rates with discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be manually applied before you will receive the discount.

  • Professional Memberships – Being in qualifying employment or professional organizations could earn you a nice discount on your next renewal.
  • Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Anti-theft System – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and will save you 10% or more.
  • Own a Home and Save – Just owning your own home can help you save on insurance coverage due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Lower Rates for Military – Being on active deployment in the military could trigger a small discount.
  • Senior Discount – Mature drivers may receive a small decrease in premiums on HR-V insurance.
  • Good Grades Discount – Getting good grades could provide a savings of up to 20% or more. This discount can apply up to age 25.
  • Student in College – Older children who attend college more than 100 miles from home and leave their car at home can receive lower rates.
  • E-sign – Some larger companies will provide an incentive for buying a policy and signing up online.

Just know that some credits don’t apply to the whole policy. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like you can get free auto insurance, companies don’t profit that way. But any discount will definitely reduce your policy cost.

If you would like to see a list of companies with discount rates, enter your zip code here.

You are unique and your insurance should be too

When choosing adequate coverage, there is no cookie cutter policy. Every situation is different.

For instance, these questions can help discover whether or not you might need professional guidance.

  • Is my Honda HR-V covered if I use it for business?
  • I have health insurance so do I need medical payments coverage?
  • Can I make deliveries for my home business?
  • How much liability coverage do I need in my state?
  • What is PIP insurance?
  • Does car insurance cover theft of personal property?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, complete your zip code.

Specific coverage details

Having a good grasp of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical expense coverage – Med pay and PIP coverage provide coverage for bills for X-ray expenses, prosthetic devices, pain medications, surgery and funeral costs. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your 2024 Honda HR-V.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverages – This can cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Collision coverage – This covers damage to your HR-V resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, theft and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

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