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 rates for a Honda HR-V are $1,262 a year with full coverage. Comprehensive costs on average $228 each year, collision insurance costs $424, and liability coverage is $452. Buying just liability costs around $504 a year, and insurance for high-risk drivers costs around $2,742. 16-year-old drivers cost the most to insure at up to $4,884 a year.

Average premium for full coverage: $1,262

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than congested cities. The graphic below illustrates the difference location can make on car insurance rates.

The examples above demonstrate why all drivers should compare rates quotes based on a specific location and risk profile, rather than 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 different risk profiles and scenarios.

• The best full coverage rate is $735
• Raising to $1,000 deductibles will save around $146 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,262
• Buying low deductibles will increase the cost to $1,550
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,742
• Policy cost for full coverage for a teenage driver may cost $4,884

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $4,800 a year. View Rates by Age

Your home state also has a big influence on Honda HR-V insurance rates. A middle-age driver might find rates 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

Opting for high physical damage deductibles can reduce rates by up to $440 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

How to Find More Affordable Honda HR-V Insurance

Finding cheaper rates on auto insurance consists of having a decent driving record, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Make time to compare rates at every other renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following items are a summary of the concepts that were touched on in this article.

• Drivers who have multiple accidents or major violations may be required to pay an average of $1,480 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers pay the highest rates, as much as $407 each month for full coverage
• You may be able to save as much as $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $425 each year
• You may be able to save as much as $150 per year just by quoting online in advance

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.