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.

Average insurance prices for a Honda HR-V are $1,262 every 12 months with full coverage. Comprehensive costs around $228 a year, collision insurance costs $424, and liability is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs around $2,742. 16-year-old drivers receive the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Rate estimates for individual coverage type:

Prices are based on $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

These examples demonstrate why it is important to get quotes for a specific zip code and their own driving history, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $735
• Choosing higher $1,000 deductibles can save about $1,116 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,262
• Buying low $100 deductibles for comp and collision coverage increases the price to $1,550
• Unlucky drivers with multiple tickets or accidents could pay at least $2,742
• The cost to insure a teen driver can be $4,884 each year

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $440 every year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Where you 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 $910 a year in states like New Hampshire, Ohio, and Utah, or at least $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Affordable Honda HR-V Insurance

Saving money on car insurance takes not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief review of the coverage data raised in the charts and tables above.

• You may be able to save up to $150 per year just by quoting early and online
• Increasing deductibles could save as much as $425 each year
• Teens pay higher rates, with premiums as much as $407 per month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,480 more every year for HR-V insurance

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.