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 prices for a Honda HR-V are $1,262 every 12 months including full coverage. Comprehensive insurance costs approximately $228 a year, collision costs $424, and liability coverage is estimated at $452. A policy with only liability insurance costs approximately $504 a year, with a high-risk policy costing $2,742 or more. Teens pay the most at $4,884 a year or more.

Average premium for full coverage: $1,262

Premium estimates by type of coverage:

Includes $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 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 has a large influence on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance prices.

These rate differences highlight why it is important to get quotes using their specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Details

The chart below breaks down estimated Honda HR-V insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $735
• Choosing higher $1,000 deductibles can save $1,116 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,262
• Selecting low $100 deductibles for comp and collision coverage costs an extra $288 each year
• Drivers with serious driving violations could pay around $2,742 or more
• An auto insurance policy to insure a teenage driver can cost $4,884 each year

View Chart as Image

Car insurance prices for a Honda HR-V also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your HR-V.

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy ranges around 43% to 132% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Honda HR-V insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Each auto insurer calculates prices differently, so rate quotes will be substantially different.

How to Shop for the Cheapest Honda HR-V Insurance

Finding better rates on auto insurance takes not taking risks behind the wheel, maintaining a good credit score, refrain from filing small claims, and avoiding coverage lapses. Spend time shopping around at every other renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a recap of the concepts that were touched on above.

• Drivers that have major violations or accidents could be charged and average of $1,480 more per year for HR-V insurance
• Teens pay the highest auto insurance prices, with the cost nearing $407 per month if the policy includes full coverage
• You may be able to save around $150 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $425 each year
• You may be able to save around $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.

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.