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.

The average insurance prices for a Honda HR-V are $1,262 every 12 months for full coverage. Comprehensive costs around $228 a year, collision insurance costs $424, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs around $2,742. Teens cost the most to insure at up to $4,884 a year.

Average premium for full coverage: $1,262

Policy rates for type of insurance:

Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance rates.

The examples above show why it is important to get quotes for a specific zip code and their own driving history, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $735
• Choosing higher $1,000 deductibles can save about $1,116 a year
• The average price for a good driver age 40 using $500 deductibles is $1,262
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,550
• Unlucky drivers with serious driving violations could pay at least $2,742
• Policy cost to insure a teen driver can be $4,884 each year

View Chart as Image

Auto insurance rates for a Honda HR-V also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 every year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for Cheaper Honda HR-V Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around at least every other year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The items below are a condensed summary of the car insurance concepts touched on above.

• Higher risk drivers with multiple at-fault accidents may pay on average $1,480 more every year to insure their HR-V
• Drivers can save up to $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Policyholders who may need more liability coverage will pay approximately $500 each year to raise limits from a 30/60 limit to a 250/500 level

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.