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 prices for a Honda HR-V are $1,262 every 12 months for full coverage. Comprehensive insurance costs approximately $228, collision insurance costs $424, and liability costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs $2,742 or more. Teenage drivers pay the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of using average rates.

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

Additional Rate Analysis

The chart below shows average Honda HR-V insurance rates for additional coverage and risk scenarios.

• The best discount rate is $735
• Using higher $1,000 deductibles will save $146 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,262
• Using more expensive low deductibles for physical damage coverage costs an extra $288 every year
• Drivers who are prone to accidents and violations could pay around $2,742
• The price to insure a teen driver with full coverage can cost $4,884 or more

View Chart as Image

Auto insurance prices for a Honda HR-V are also quite variable based on deductibles and policy limits, your driver profile, and the model of your HR-V.

Using high physical damage deductibles could cut prices by as much as $440 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see prices 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

How to Shop for More Affordable Honda HR-V Insurance

Getting lower rates on car insurance requires being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Make time to compare rates at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a summary of the concepts that were touched on in this article.

• Higher risk drivers who have multiple accidents or major violations may pay on average $1,480 more per year than a low-risk driver
• Youthful drivers have the highest car insurance prices, with premiums as much as $407 a month if comprehensive and collision insurance is included
• Drivers can save around $150 per year just by shopping early and online
• Increasing physical damage deductibles could save as much as $425 each year
• Drivers can save around $150 per year just by shopping 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.