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. Comprehensive insurance costs an estimated $228 a year, collision costs $424, and liability costs around $452. Buying just liability costs as low 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 broken down by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on insurance prices.

These examples show why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $735
• Using higher $1,000 deductibles will save approximately $1,116 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,262
• Using low $100 deductibles for physical damage coverage costs an additional $288 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,742 or more
• The cost with full coverage for a 16-year-old driver can cost as much as $4,884 or more

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 driver profile, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,500 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $440 annually, while buying higher liability limits will increase premiums. Going 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 has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see rates as low as $830 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,800 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

How to Buy Low Cost Honda HR-V Insurance

Saving money on insurance for a Honda HR-V requires having a decent driving record, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a review of the concepts that were covered in the above illustrations.

• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,480 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, costing as high as $407 per month if full coverage is included
• Drivers can save approximately $150 per year simply by quoting early and online
• Increasing deductibles could save up to $425 each year
• Drivers can save approximately $150 per year simply by quoting early and online

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.