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.

Estimated auto insurance rates for a Honda HR-V are $1,296 annually including full coverage. Comprehensive costs around $238 each year, collision costs $458, and liability coverage costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $2,818. Teens pay the most at $4,988 a year or more.

Average premium for full coverage: $1,296

Premium estimates for type of coverage:

Prices are based on $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and HR-V models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance rates.

These rate differences highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Additional Charts and Tables

The chart below breaks down estimated Honda HR-V insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $749
• Using higher $1,000 deductibles will save about $160 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,296
• Selecting low deductibles for physical damage coverage will cost $1,602
• Higher-risk drivers with serious driving violations could pay at least $2,818 or more
• An auto insurance policy with full coverage for a teenage driver can be $4,988 or more

View Chart as Image

Insurance prices for a Honda HR-V also have a wide range based on the model of your HR-V, your driving characteristics, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,600 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers can be around 44% to 138% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $470 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see prices as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, and prices will be substantially different between companies.

How to Buy Affordable Honda HR-V Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having good credit, refrain from filing small claims, and taking advantage of discounts. Make time to compare rates once a year by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a brief review of the data that was touched on in this article.

• You may be able to save up to $160 per year simply by quoting online in advance
• Consumers who may need higher liability limits will pay approximately $490 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
• Teens are charged the highest prices, with the cost nearing $416 per month if they have full coverage
• Drivers with DUI or reckless driving convictions may pay on average $1,520 more every year for HR-V insurance

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.