Honda HR-V Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
The average auto insurance rates for a Honda HR-V are $1,262 annually for full coverage. Comprehensive costs on average $228 a year, collision costs $424, and liability is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing around $2,742. Teen drivers cost the most to insure at $4,884 a year or more.
Average premium for full coverage: $1,262
Policy rates by type of insurance:
Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and HR-V trim levels.
Price Range Variability
For the average driver, Honda HR-V insurance rates go from as cheap as $504 for just liability coverage to a high of $2,742 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas.
The diagram below illustrates how location impacts car insurance rates.
The examples above show why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below shows estimated Honda HR-V insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $735
- Raising to $1,000 deductibles will save around $1,116 a year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,262
- Choosing low $100 deductibles will cost $1,550
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,742 or more
- Policy cost with full coverage for a teen driver may cost $4,884
Car insurance rates for a Honda HR-V also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.
Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $440 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,800 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,142 | -$120 | -9.5% |
| Alaska | $968 | -$294 | -23.3% |
| Arizona | $1,048 | -$214 | -17.0% |
| Arkansas | $1,262 | -$0 | 0.0% |
| California | $1,438 | $176 | 13.9% |
| Colorado | $1,206 | -$56 | -4.4% |
| Connecticut | $1,298 | $36 | 2.9% |
| Delaware | $1,428 | $166 | 13.2% |
| Florida | $1,580 | $318 | 25.2% |
| Georgia | $1,164 | -$98 | -7.8% |
| Hawaii | $906 | -$356 | -28.2% |
| Idaho | $854 | -$408 | -32.3% |
| Illinois | $940 | -$322 | -25.5% |
| Indiana | $950 | -$312 | -24.7% |
| Iowa | $850 | -$412 | -32.6% |
| Kansas | $1,200 | -$62 | -4.9% |
| Kentucky | $1,724 | $462 | 36.6% |
| Louisiana | $1,868 | $606 | 48.0% |
| Maine | $778 | -$484 | -38.4% |
| Maryland | $1,040 | -$222 | -17.6% |
| Massachusetts | $1,010 | -$252 | -20.0% |
| Michigan | $2,194 | $932 | 73.9% |
| Minnesota | $1,056 | -$206 | -16.3% |
| Mississippi | $1,512 | $250 | 19.8% |
| Missouri | $1,118 | -$144 | -11.4% |
| Montana | $1,356 | $94 | 7.4% |
| Nebraska | $996 | -$266 | -21.1% |
| Nevada | $1,516 | $254 | 20.1% |
| New Hampshire | $910 | -$352 | -27.9% |
| New Jersey | $1,410 | $148 | 11.7% |
| New Mexico | $1,118 | -$144 | -11.4% |
| New York | $1,328 | $66 | 5.2% |
| North Carolina | $728 | -$534 | -42.3% |
| North Dakota | $1,034 | -$228 | -18.1% |
| Ohio | $872 | -$390 | -30.9% |
| Oklahoma | $1,296 | $34 | 2.7% |
| Oregon | $1,154 | -$108 | -8.6% |
| Pennsylvania | $1,204 | -$58 | -4.6% |
| Rhode Island | $1,684 | $422 | 33.4% |
| South Carolina | $1,142 | -$120 | -9.5% |
| South Dakota | $1,064 | -$198 | -15.7% |
| Tennessee | $1,106 | -$156 | -12.4% |
| Texas | $1,522 | $260 | 20.6% |
| Utah | $934 | -$328 | -26.0% |
| Vermont | $864 | -$398 | -31.5% |
| Virginia | $754 | -$508 | -40.3% |
| Washington | $976 | -$286 | -22.7% |
| West Virginia | $1,158 | -$104 | -8.2% |
| Wisconsin | $874 | -$388 | -30.7% |
| Wyoming | $1,126 | -$136 | -10.8% |

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Honda HR-V | $270 | $506 | $398 | $1,332 |
| 2023 Honda HR-V | $260 | $494 | $416 | $1,328 |
| 2022 Honda HR-V | $250 | $474 | $430 | $1,312 |
| 2021 Honda HR-V | $238 | $458 | $442 | $1,296 |
| 2020 Honda HR-V | $228 | $424 | $452 | $1,262 |
| 2019 Honda HR-V | $218 | $400 | $456 | $1,232 |
| 2018 Honda HR-V | $210 | $358 | $460 | $1,186 |
| 2017 Honda HR-V | $196 | $330 | $460 | $1,144 |
| 2016 Honda HR-V | $190 | $310 | $464 | $1,122 |
Rates are averaged for all Honda HR-V models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Honda HR-V Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around at every other renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The list below is a review of the concepts that were touched on above.
- Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,480 more each year for car insurance
- Teenagers are expensive to insure, costing up to $407 each month if comprehensive and collision insurance is included
- Drivers can save as much as $150 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $425 each year
- Drivers can save as much as $150 per year simply 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.
Compare Quotes From Top Companies and SaveFree Car Insurance Comparison
Secured with SHA-256 Encryption
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:
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,884 |
| 20 | $2,928 |
| 30 | $1,304 |
| 40 | $1,262 |
| 50 | $1,156 |
| 60 | $1,134 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,550 |
| $250 | $1,416 |
| $500 | $1,262 |
| $1,000 | $1,116 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,262 |
| 50/100 | $1,352 |
| 100/300 | $1,465 |
| 250/500 | $1,759 |
| 100 CSL | $1,398 |
| 300 CSL | $1,646 |
| 500 CSL | $1,827 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,946 |
| 20 | $4,668 |
| 30 | $2,788 |
| 40 | $2,742 |
| 50 | $2,620 |
| 60 | $2,598 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $88 |
| Total Discounts | $527 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area