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. Comprehensive costs on average $228 a year, collision insurance costs $424, and liability insurance costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers 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 by individual coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have lower incidents of accident claims than larger metro areas. The diagram below illustrates the difference location can make on car insurance rates.

The ranges above show why it is important to compare prices based on a specific location, rather than relying on price averages.

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

Rate Comparisons

The chart below shows average 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 $1,116 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,262
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,550
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,742
• The price that insures a teen driver may cost $4,884 or more

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on the trim level of your HR-V, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 132% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age

The state you live in has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see prices as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $440 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Honda HR-V Insurance

Getting lower rates on Honda HR-V insurance requires being a good driver, having above-average credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Shop around every year by getting price quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a brief summary of the coverage data touched on in this article.

• Drivers can save as much as $150 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $425 each year
• Drivers age 16 to 20 pay the highest prices, with premiums as much as $407 a month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,480 more each year than a safer driver

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.