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.

Average insurance rates for a Honda HR-V are $1,262 a year with full coverage. Comprehensive insurance costs around $228 a year, collision insurance costs $424, and liability insurance is estimated at $452. A policy with just liability insurance costs approximately $504 a year, and coverage for high-risk drivers costs $2,742 or more. Teen drivers receive the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than larger metro areas. The diagram below illustrates how your location can change auto insurance rates.

These examples demonstrate why it is important to get quotes for a specific zip code, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below details average Honda HR-V insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $735
• Choosing higher $1,000 deductibles can save about $1,116 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,262
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $288 a year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,742
• The cost that insures a teen driver can be $4,884 each year

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on the trim level of your HR-V, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 132% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Honda HR-V insurance rates. A good driver about age 40 could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

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

How to Find the Best Cheap Honda HR-V Insurance

Saving money on Honda HR-V insurance takes being a good driver, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Shop around every other policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a quick review of the ideas that were illustrated above.

• Drivers age 16 to 20 are charged the highest rates, with premiums as much as $407 per month if comprehensive and collision insurance is included
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,480 more every year than a safer driver
• Increasing deductibles can save approximately $425 each year
• You may be able to save up to $150 per year just by quoting 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.