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 with full coverage. Comprehensive costs an estimated $238 a year, collision insurance costs $458, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs around $2,818. Teenage drivers pay the most at up to $4,988 a year.

Average premium for full coverage: $1,296

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why it is important to get quotes for a targeted area, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $749
• Choosing higher $1,000 deductibles can save approximately $1,136 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,296
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,602
• Unlucky drivers who are prone to accidents and violations could pay up to $2,818
• An auto insurance policy that insures a teen driver can cost as much as $4,988 each year

View Chart as Image

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

If you have a few violations or you caused an accident, you may be forking out $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 138% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $470 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Honda HR-V Insurance

Finding better rates on car insurance takes being safe and accident-free, having above-average credit, being claim-free, and deciding if full coverage is necessary. Compare prices every year by quoting rates from direct companies, and also from insurance agencies where you live.

Below you'll find a brief summary of the coverage data covered in the above illustrations.

• You may be able to save approximately $160 per year just by quoting early and online
• Increasing policy deductibles can save approximately $475 each year
• Youthful drivers are charged the highest prices, possibly costing $416 per month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,520 more annually than a low-risk driver

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.