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 costs an estimated $228, collision insurance costs $424, and liability coverage is $452. A policy with just liability insurance costs around $504 a year, and coverage for high-risk drivers costs around $2,742. 16-year-old drivers receive the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Rate estimates broken down by individual coverage type:

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 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. More rural locations tend to have fewer accident claims than congested cities. The price range example below illustrates how rural and urban location affects insurance prices.

These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $735
• Raising to $1,000 deductibles will save approximately $146 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,262
• Buying more expensive low deductibles will cost $1,550
• Unlucky drivers with multiple tickets or accidents could pay up to $2,742
• The cost with full coverage for a teenage driver with full coverage can cost as much as $4,884

View Chart as Image

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.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared 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 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $440 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Honda HR-V insurance rates. A middle-age driver might find rates as low as $830 a year in states like Iowa, Maine, and Idaho, or at least $1,800 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy the Right Honda HR-V Insurance

Saving money on auto insurance consists of being a safe and courteous driver, having good credit, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to shop around at least once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a quick rundown of the primary concepts that were raised in the charts and tables above.

• Drivers can save approximately $150 per year just by shopping early and online
• Drivers with reckless driving or DUI convictions may pay on average $1,480 more annually for auto insurance
• Increasing deductibles could save up to $425 each year
• Teenage drivers are expensive to insure, costing as high as $407 per month if they have 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.