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 insurance rates for a Honda HR-V are $1,296 a year for full coverage. Comprehensive insurance costs around $238, collision costs $458, and liability coverage costs around $442. A policy with only liability insurance costs as low as $496 a year, with a high-risk policy costing $2,818 or more. Teenage drivers pay the most at $4,988 a year or more.

Average premium for full coverage: $1,296

Premium estimates for type of coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $749
• Using higher $1,000 deductibles will save about $160 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,296
• Using more expensive low deductibles for physical damage coverage will cost an additional $306 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,818 or more
• An auto insurance policy that insures a teenage driver with full coverage can be $4,988 or more

View Chart as Image

Car insurance prices for a Honda HR-V also have a wide range based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can be around 44% to 138% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,900 a year. View Rates by Age

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 $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $470 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know your exact price is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

How to Find the Cheapest Honda HR-V Insurance

Finding better rates on auto insurance requires being a good driver, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare prices every time your policy renews by requesting quotes from direct carriers, and also from several local insurance agents.

The following list is a recap of the information illustrated above.

• Drivers can save up to $160 per year simply by shopping early and online
• Drivers age 16 to 20 are the costliest to insure, as much as $416 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $475 each year
• Drivers that have major violations or accidents pay on average $1,520 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay an extra $490 each year to increase from 30/60 bodily injury limits to the 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.