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.

U.S. average insurance rates for a Honda HR-V are $1,262 a year for full coverage insurance. Comprehensive costs an estimated $228 each year, collision insurance costs $424, and liability coverage is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs around $2,742. Teen drivers pay the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Price estimates broken down by individual coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and HR-V models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates how location impacts insurance prices.

The ranges above illustrate why all drivers should compare rates quotes for a targeted area, rather than using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $735
• Raising to $1,000 deductibles will save approximately $146 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,262
• Choosing low deductibles bumps up the cost to $1,550
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,742
• The price that insures a teenage driver can cost as much as $4,884

View Chart as Image

Car insurance prices for a Honda HR-V are also quite variable based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 132% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,800 a year. View Rates by Age

The state you live in also has a big influence on Honda HR-V insurance rates. A middle-age driver might find prices as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $440 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Right Honda HR-V Insurance

Getting lower rates on auto insurance consists of being a good driver, having a positive credit history, not filing small claims, and possibly higher deductibles. Shop around at least once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a quick rundown of the primary concepts that were touched on above.

• It is possible to save approximately $150 per year just by quoting online in advance
• Drivers with reckless driving or DUI convictions may have to pay on average $1,480 more annually than a safer driver
• Increasing physical damage deductibles can save approximately $425 each year
• Drivers age 16 to 20 have the highest car insurance prices, as much as $407 a month if full coverage is purchased

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.