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 prices for a Honda HR-V are $1,262 every 12 months for full coverage. Comprehensive costs on average $228 each year, collision insurance costs $424, and liability coverage costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs around $2,742. 16-year-old drivers cost the most to insure at up to $4,884 a year.

Average premium for full coverage: $1,262

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than congested cities. The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above show why all drivers should compare rates based on a specific location and their own driving history, rather than using rate averages.

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 different risk profiles and scenarios.

• The best full coverage rate is $735
• Drivers who choose higher $1,000 deductibles will pay around $146 a year
• The average price for a good driver age 40 with $500 deductibles is $1,262
• Buying low deductibles for comprehensive and collision insurance increases the price to $1,550
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,742
• Policy cost to insure a teenage driver may cost $4,884 a year

View Chart as Image

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

Opting for high physical damage deductibles could save up to $440 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers 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 were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Honda HR-V insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or at least $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for More Affordable Honda HR-V Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to compare rates every time your policy renews by getting rate quotes from direct carriers, and also from local independent and exclusive agents.

Below you'll find a summary of the information covered in the above illustrations.

• Drivers can save as much as $150 per year just by quoting online in advance
• Youthful drivers pay the highest rates, costing up to $407 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Drivers who have multiple accidents or major violations pay an average of $1,480 more each year than a low-risk driver
• Consumers who require more liability protection will pay around $500 each year to go from a 30/60 limit 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.