Honda HR-V Insurance Rates

Honda HR-V insurance rates amount to $1,356 a year, or $113 a month on average for full coverage. 

There are a number of factors that ultimately determine how expensive it is to insure a Honda HR-V. For example, if you looked at a Honda HR-V comparison chart, you will notice that older models are cheaper to insure than newer models. 

In order to alleviate the stress associated with shopping for insurance, let our thorough guide serve as your main point of reference. When you’re ready to find cheap insurance rates, be sure to enter your five-digit ZIP code to start comparing Honda HR-V car insurance policies from multiple companies.

U.S. average insurance prices for a Honda HR-V are $1,262 every 12 months for full coverage. Comprehensive costs around $228, collision costs $424, and liability insurance is $452. Liability-only insurance costs around $504 a year, with high-risk driver insurance costing around $2,742. Teens pay the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Price estimates for individual coverage:

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all HR-V models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population have more infrequent accident claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance rates.

The ranges above show why everyone should compare rates quotes for a specific zip code and their own driving history, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below shows estimated Honda HR-V insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $735
• Raising to $1,000 deductibles will save about $146 a year
• The average price for the average middle-age driver using $500 deductibles is $1,262
• Selecting pricier low deductibles increases the price to $1,550
• Higher-risk drivers with serious driving violations could pay at least $2,742 or more
• The price to insure a teen driver for full coverage can be $4,884

View Chart as Image

Car insurance prices for a Honda HR-V are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $440 each year, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,500 to $2,100 extra each year, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Honda HR-V insurance rates. A middle-age driver might find prices as low as $830 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know your exact price is to regularly compare prices from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes may be quite different.

How to Shop for the Best Honda HR-V Insurance

Getting lower rates on Honda HR-V insurance consists of being a safe and courteous driver, maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a brief recap of the car insurance concepts illustrated above.

• High-risk drivers who tend to receive serious violations may pay on average $1,480 more every year for auto insurance
• Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $425 each year
• Drivers who may need higher levels of liability will pay approximately $500 each year to raise from a low limit to a 250/500 level

As you can see from the information we’ve gone over to this point, it’s clear that the amount of money you pay for your model is parallel to how much you pay for insurance. Therefore, if you find yourself asking, “How much does a Honda HR-V cost?” you should also be considering the price of insurance.

The best way to find affordable Honda HR-V car insurance quotes is by using our free online tool below. Simply enter your ZIP code to find great Honda HR-V insurance quotes from providers in your area.

What are the safety ratings of the Honda HR-V?

It’s important to consider the safety ratings of the Honda HR-V to get a proper understanding of where you might qualify for policy discounts. 

Take a look at the safety ratings of the Honda HR-V below so you can see where you might be able to save money on your policy.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

For a frame of reference, the Insurance Institute for Highway Safety classifies “Good” as the highest rating possible. The Honda HR-V achieved that mark in every part of the SUV that was tested, meaning it absolutely aced the crash test.

Honda HR-V Compared Against Other Vehicles in the Same Class

Officially, the Honda HR-V is classified as a small SUV by the Insurance Institute for Highway Safety. Other similar models include the following:

• Kia Niro
• Mazda CX-3

When providing you with a Honda HR-V insurance cost, insurance companies will consider the loss percentages of the Honda HR-V as it compares to other similar models in this class.

The good news is that the Honda HR-V reflects a loss percentage of 0 percent for both property damage and bodily injury liability insurance. That means that liability insurance for this model is right at the median, so rates won’t be too high or too low.

Now that we have gone into great detail about how Honda HR-V insurance rates are calculated, you can feel confident when it’s time to buy Honda HR-V car insurance. Start comparing Honda HR-V car insurance rates from multiple companies through the use of our free online tool.