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 insurance prices for a Honda HR-V are $1,262 every 12 months for full coverage. Comprehensive costs around $228 each year, collision insurance costs $424, and liability coverage is estimated at $452. A policy with just liability insurance costs approximately $504 a year, and coverage for high-risk drivers costs around $2,742. Teens receive the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance rates.

These examples show why all drivers should get quotes for a specific zip code and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $735
• Choosing higher $1,000 deductibles can save about $146 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,262
• Selecting low deductibles for comp and collision coverage increases the price to $1,550
• Drivers with serious driving violations could pay at least $2,742
• The cost to insure a teenage driver can be $4,884 each year

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 a year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 132% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Honda HR-V insurance rates. A good driver about age 40 could pay 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

How to Shop for Cheaper Honda HR-V Insurance

Saving money on auto insurance takes being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to shop around at every policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a condensed summary of the data illustrated above.

• Consumers who may need higher levels of liability will pay approximately $500 each year to raise limits from a minimum limit to a 250/500 level
• Drivers can save up to $150 per year just by quoting online in advance
• Increasing deductibles could save as much as $425 each year
• Teenage drivers are charged the highest rates, costing as high as $407 per month if full coverage is included

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.