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.

Estimated auto insurance rates for a Honda HR-V are $1,262 annually with full coverage. Comprehensive costs an estimated $228, collision costs $424, and liability coverage costs around $452. Liability-only insurance costs as low as $504 a year, with high-risk driver insurance costing around $2,742. Teen drivers pay the most at $4,884 a year or more.

Average premium for full coverage: $1,262

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all HR-V models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas.

The example below illustrates how geographic area affects insurance prices.

These rate differences demonstrate why everyone should compare prices for a targeted area and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

The chart below details estimated Honda HR-V insurance rates for other coverage scenarios.

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save approximately $146 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,262
• Choosing pricier low deductibles for physical damage coverage will cost $1,550
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,742 or more
• An auto insurance policy with full coverage for a teenage driver for full coverage can cost as much as $4,884 or more

View Chart as Image

Insurance prices for a Honda HR-V also have a wide range based on the model of your HR-V, your driving record, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,500 to $2,100 additional annually, depending on your age. Honda HR-V insurance for high-risk drivers can be around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $440 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see prices as low as $910 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,710 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices and see how they stack up. Each insurance company uses a different rate calculation, and prices will be substantially different between companies.

How to Buy the Right Honda HR-V Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, having good credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates at least every other year by requesting quotes from direct companies, and also from several local insurance agents.

The points below are a quick rundown of the car insurance concepts presented in the illustrations above.

• Drivers with reckless driving or DUI convictions pay on average $1,480 more annually to insure a Honda HR-V
• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $425 each year
• Consumers who want increased liability limits will pay about $500 every year to increase from 30/60 bodily injury limits 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.