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 including full coverage. Comprehensive costs on average $228 each year, collision costs $424, and liability costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing around $2,742. Teen drivers receive the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Rate estimates by individual coverage type:

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These examples highlight why all drivers should compare prices based on a specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

The chart below breaks down estimated Honda HR-V insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save around $146 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,262
• Choosing low deductibles for physical damage coverage will cost $1,550
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,742 or more
• The cost with full coverage for a teen driver may cost $4,884 or more

View Chart as Image

Car insurance rates for a Honda HR-V can also vary considerably based on the trim level of your HR-V, your driving characteristics, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $440 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

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

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.

How to Buy the Best Cheap Honda HR-V Insurance

Saving money on car insurance requires being a low-risk driver, having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a quick review of the information covered above.

• You may be able to save as much as $150 per year simply by quoting online in advance
• Teen drivers are expensive to insure, as much as $407 per month if comprehensive and collision insurance is included
• Increasing deductibles could save up to $425 each year
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,480 more each year to insure their HR-V
• Policyholders who require more liability coverage will pay about $500 per year to increase from a minimum limit to higher 250/500 limits

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.