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 auto insurance rates for a Honda HR-V are $1,262 annually for full coverage insurance. Comprehensive insurance costs on average $228, collision costs $424, and liability costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing $2,742 or more. Teen drivers cost the most to insure at $4,884 a year or more.

Average premium for full coverage: $1,262

Policy rates by type of insurance:

Estimates include $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.

The example below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $735
• Drivers who choose higher $1,000 deductibles will pay around $146 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,262
• Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $288 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,742 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage may cost $4,884 a year

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Honda HR-V insurance for high-risk drivers can cost from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $440 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every company uses a different rate calculation, so the rates will be varied between companies.

How to Buy Low Cost Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V not only requires having a good driving record, but also having a good credit history, being claim-free, and bundling your home and auto policies. Take the time to compare rates at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

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

• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,480 more each year to buy Honda HR-V insurance
• It is possible to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $425 each year
• Insureds who require increased levels of liability coverage will pay about $500 annually to go from a 30/60 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.