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.

The average insurance rates for a Honda HR-V are $1,296 a year for full coverage. Comprehensive insurance costs on average $238, collision insurance costs $458, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs $2,818 or more. Teen drivers cost the most to insure at up to $4,988 a year.

Average premium for full coverage: $1,296

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas. The example below illustrates how location impacts car insurance rates.

The examples above show why everyone should compare prices based on a specific location and risk profile, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $749
• Using higher $1,000 deductibles will save around $160 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,296
• Choosing pricier low deductibles for physical damage coverage will cost an extra $306 every year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,818
• Policy cost for full coverage for a teen driver for full coverage may cost $4,988 or more

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on your risk profile, the trim level of your HR-V, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $4,900 a year. View Rates by Age

Your home state has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $470 every year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Honda HR-V insurance for high-risk drivers can be as much as 44% to 138% more than average. View High Risk Driver Rates

How to Find Cheaper Honda HR-V Insurance

Finding cheaper rates on car insurance requires being a good driver, maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around at every policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following list is a condensed summary of the data touched on above.

• Policyholders who require an increased level of liability coverage will pay about $490 each year to increase from a 30/60 limit to 250/500 limits
• Drivers can save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $475 each year
• Drivers age 16 to 20 pay the highest rates, costing up to $416 each month for full coverage

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.