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 $1,262 a year including full coverage. Comprehensive insurance costs around $228, collision costs $424, and liability insurance is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing $2,742 or more. Teen drivers pay the most at $4,884 a year or more.

Average premium for full coverage: $1,262

Premium estimates for type of coverage:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for different HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location helps determine auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $735
• Raising to $1,000 deductibles will save about $146 every year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,262
• Choosing more expensive low deductibles will cost an extra $288 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,742 or more
• An auto insurance policy for full coverage for a teen driver with full coverage can be $4,884

View Chart as Image

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

An older driver with a clean driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles can reduce prices by up to $440 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to figure out your exact price is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices will be substantially different from one company to the next.

How to Find Cheaper Honda HR-V Insurance

Finding better rates on Honda HR-V insurance consists of being a good driver, maintaining good credit, refrain from filing small claims, and insuring your home and auto with the same company. Invest time comparing rates at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a condensed summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save up to $150 per year simply by shopping early and online
• High-risk drivers with multiple at-fault accidents pay on average $1,480 more every year than a safer driver
• Increasing policy deductibles can save around $425 each year
• Drivers age 16 to 20 pay higher prices, with the cost nearing $407 per month for full coverage

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.