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 rates for a Honda HR-V are $1,296 a year for full coverage insurance. Comprehensive insurance costs on average $238, collision costs $458, and liability coverage is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing $2,818 or more. Teens receive the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Rate estimates by individual coverage type:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $749
• Raising to $1,000 deductibles will save around $160 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,296
• Selecting more expensive low deductibles will cost an additional $306 each year
• Unlucky drivers with serious driving violations could pay upwards of $2,818 or more
• The cost that insures a teenage driver with full coverage may cost $4,988

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 138% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,900 a year. View Rates by Age

Where you live also has a big influence on Honda HR-V insurance rates. A middle-age driver might find rates as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $470 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, so the rates can be significantly different.

How to Find the Right Honda HR-V Insurance

Saving money on auto insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Compare rates every time your policy renews by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick rundown of the information touched on in the above illustrations.

• It is possible to save as much as $160 per year simply by shopping early and online
• 16 to 18-year-old drivers pay the highest rates, costing up to $416 per month if full coverage is included
• Increasing deductibles can save approximately $475 each year
• Drivers with reckless driving or DUI convictions may pay on average $1,520 more each year than a driver with a clean driving record
• Consumers who require additional liability coverage will pay approximately $490 annually to raise from a minimum limit to the 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.