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 rates for a Honda HR-V are $1,262 a year for full coverage insurance. Comprehensive costs an estimated $228, collision costs $424, and liability costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing around $2,742. Teen drivers pay the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Price estimates broken down by individual coverage:

These estimates include $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for all HR-V models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why everyone should compare prices for a targeted area, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below illustrates estimated Honda HR-V insurance rates for other coverage scenarios.

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save approximately $146 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,262
• Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,550
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,742 or more
• The price that insures a 16-year-old driver for full coverage can cost as much as $4,884 or more

View Chart as Image

Auto insurance prices for a Honda HR-V are also quite variable based on the model of your HR-V, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,500 to $2,100 in extra premium each year, depending on your age. Honda HR-V insurance for high-risk drivers can be from 43% to 132% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age

The state you live in has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see prices as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $440 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, and quoted prices may be quite different.

How to Find Cheap Honda HR-V Insurance

Getting lower rates on insurance for a Honda HR-V requires not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Shop around every couple of years by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following is a brief summary of the material that was covered above.

• Insureds who want higher liability limits will pay about $500 annually to increase from a low limit to the 250/500 level
• Teens are the costliest to insure, as much as $407 a month if the policy includes full coverage
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,480 more annually for HR-V insurance
• Increasing physical damage deductibles can save approximately $425 each year

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.