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.

The average insurance rates for a Honda HR-V are $1,262 a year for full coverage. Comprehensive costs an estimated $228 a year, collision insurance costs $424, and liability coverage is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs around $2,742. Teenage drivers cost the most to insure at up to $4,884 a year.

Average premium for full coverage: $1,262

Policy rates broken down by type of insurance:

Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how where you live affects insurance prices.

The examples above show why it is important to get quotes for a targeted area and risk profile, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $735
• Choosing higher $1,000 deductibles can save approximately $1,116 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,262
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,550
• Drivers who are prone to accidents and violations could pay up to $2,742
• Policy cost for full coverage for a teenage driver can cost as much as $4,884 each year

View Chart as Image

Auto insurance rates for a Honda HR-V also range considerably based on your risk profile, the trim level of your HR-V, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda HR-V insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,800 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $440 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 132% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Honda HR-V Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a brief review of the concepts that were touched on in the above illustrations.

• Drivers with DUI or reckless driving convictions pay an average of $1,480 more annually to buy Honda HR-V insurance
• Drivers age 20 and younger are the costliest to insure, costing up to $407 each month if they have full coverage
• Drivers can save approximately $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $425 each year
• Drivers can save approximately $150 per year just by quoting early and online

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.