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.

Average auto insurance rates for a Honda HR-V are $1,262 annually for full coverage insurance. Comprehensive insurance costs approximately $228 each year, collision costs $424, and liability insurance costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing $2,742 or more. Teenage drivers receive the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations tend to have fewer physical damage claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

The chart below illustrates estimated Honda HR-V insurance rates for additional coverage and risk scenarios.

• The best discount rate is $735
• Drivers who choose higher $1,000 deductibles will pay $146 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,262
• Using low deductibles for comprehensive and collision insurance costs an additional $288 a year
• High risk drivers who are prone to accidents and violations could pay around $2,742 or more
• The cost with full coverage for a teen driver can cost $4,884 a year

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on the trim level of your HR-V, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $440 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Honda HR-V insurance rates. A 40-year-old driver could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

How to Buy More Affordable Honda HR-V Insurance

Saving money on Honda HR-V insurance not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around every time your policy renews by requesting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following list is a summary of the information raised in the charts and tables above.

• It is possible to save around $150 per year simply by quoting online in advance
• Drivers age 16 to 20 have the highest car insurance rates, costing up to $407 per month if full coverage is included
• Increasing deductibles could save up to $425 each year
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,480 more per year than a safer driver
• Drivers who purchase an increased level of liability coverage will pay an extra $500 annually to go from a minimum limit to higher 250/500 limits

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.