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 including full coverage. Comprehensive insurance costs approximately $228, collision insurance costs $424, and liability coverage costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs $2,742 or more. Teens 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:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location and risk profile, rather than using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $735
• Using higher $1,000 deductibles will save $146 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,262
• Selecting pricier low deductibles for physical damage coverage will cost an extra $288 each year
• Higher-risk drivers with serious driving violations could pay around $2,742
• Policy cost for full coverage for a teenage driver for full coverage can cost $4,884 or more

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on your risk profile, the model of your HR-V, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

Your home state has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see rates 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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 additional every year, depending on your age. Honda HR-V insurance for high-risk drivers can be around 43% to 132% more than the average policy. View High Risk Driver Rates

How to Find the Best Honda HR-V Insurance

Finding cheaper rates on auto insurance requires being a good driver, having a good credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a brief recap of the concepts that were presented in the illustrations above.

• Drivers who tend to receive serious violations could be forced to pay on average $1,480 more per year than a safer driver
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $407 each month including comprehensive and collision insurance
• You may be able to save around $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $425 each year
• You may be able to save around $150 per year just by quoting online well ahead of the renewal date

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.