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 auto insurance rates for a Honda HR-V are $1,262 annually including full coverage. Comprehensive costs approximately $228 each year, collision insurance costs $424, and liability coverage is $452. A liability-only policy costs around $504 a year, and high-risk insurance costs around $2,742. Teenage drivers receive the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Rate estimates by individual coverage type:

Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance prices.

These examples highlight why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $735
• Raising to $1,000 deductibles will save $146 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,262
• Using low deductibles will cost $1,550
• Unlucky drivers who are prone to accidents and violations could pay around $2,742
• The cost with full coverage for a teenage driver can cost $4,884

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 driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $440 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Honda HR-V insurance rates. A middle-age driver might find rates as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy Cheaper Honda HR-V Insurance

Saving money on auto insurance consists of having a good driving record, having a good credit history, not filing small claims, and possibly raising deductibles. Spend time shopping around every year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The next list is a condensed summary of the coverage data touched on above.

• You may be able to save around $150 per year just by quoting online in advance
• Increasing deductibles could save up to $425 each year
• Drivers age 20 and younger are expensive to insure, as much as $407 per month including comprehensive and collision insurance
• Drivers with multiple at-fault accidents may have to pay on average $1,480 more per year to buy Honda HR-V insurance

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.