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 $1,262 annually including full coverage. Comprehensive insurance costs around $228, collision insurance costs $424, and liability costs around $452. Liability-only insurance costs as low as $504 a year, and high-risk driver insurance costs $2,742 or more. Teenage drivers pay the most at up to $4,884 a year.

Average premium for full coverage: $1,262

Premium estimates for type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how location impacts auto insurance rates.

These rate differences highlight why everyone should compare prices for a specific zip code 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.

Detailed Rate Analysis

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

• The best discount rate is $735
• Using higher $1,000 deductibles will save about $146 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,262
• Using pricier low deductibles for physical damage coverage costs an additional $288 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,742
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage can be $4,884 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.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $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 $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 additional annually, depending on your age. Honda HR-V insurance for high-risk drivers can be from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $440 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,800 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy Affordable Honda HR-V Insurance

Finding better rates on insurance for a Honda HR-V requires having a decent driving record, having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Spend time shopping around once a year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following items are a brief review of the data that was touched on above.

• You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
• Insureds who may need additional liability coverage will pay an extra $500 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
• 16 to 18-year-old drivers are charged the highest prices, with the cost nearing $407 per month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,480 more every year than a driver with a clean driving record

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.