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 insurance prices for a Honda HR-V are $1,296 every 12 months for full coverage. Comprehensive insurance costs an estimated $238, collision insurance costs $458, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs $2,818 or more. Teenage drivers pay the most at up to $4,988 a year.

Average premium for full coverage: $1,296

Premium estimates broken down by type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all HR-V models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than densely populated cities. The example below illustrates the effect of geographic area on insurance prices.

These rate differences show why everyone should compare rates for a targeted area and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $749
• Drivers who choose higher $1,000 deductibles will pay approximately $160 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,296
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $306 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,818
• An auto insurance policy to insure a teenage driver for full coverage can cost as much as $4,988 a year

View Chart as Image

Insurance prices for a Honda HR-V also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles could save up to $470 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,600 to $2,200 additional annually, depending on your age. Honda HR-V insurance for high-risk drivers can cost around 44% to 138% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Honda HR-V insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for Low Cost Honda HR-V Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates at least every other year by requesting quotes from direct carriers, and also from several local insurance agents.

The list below is a review of the car insurance concepts covered in the above illustrations.

• Drivers who have several accidents or serious violations pay on average $1,520 more annually for car insurance
• Drivers can save approximately $160 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $475 each year
• Consumers who want higher liability limits will pay an extra $490 each year to go from 30/60 bodily injury limits to a 250/500 level

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.