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.

U.S. average insurance prices for a Honda HR-V are $1,262 every 12 months with full coverage. Comprehensive costs approximately $228, collision costs $424, and liability coverage is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing around $2,742. Teenage drivers pay the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Price estimates by individual coverage:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for different HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $735
• Raising to $1,000 deductibles will save $146 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $1,262
• Using more expensive low deductibles increases the price to $1,550
• Unlucky drivers who are prone to accidents and violations could pay around $2,742 or more
• The price to insure a teenage driver with full coverage can cost $4,884

View Chart as Image

Auto insurance prices for a Honda HR-V are also quite variable based on deductibles and policy limits, your driving record, and the model of your HR-V.

Using high physical damage deductibles can reduce prices by up to $440 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Honda HR-V insurance rates. A middle-age driver might find prices as low as $910 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,710 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different.

How to Shop for Cheap Honda HR-V Insurance

Getting lower rates on auto insurance consists of being a good driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief summary of the data that was covered in the charts and tables above.

• You may be able to save around $150 per year simply by shopping early and online
• Consumers who purchase an increased level of liability coverage will pay an extra $500 every year to raise from a low limit to a 250/500 level
• Drivers age 16 to 20 have the highest car insurance prices, costing up to $407 a month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,480 more per year than a safer driver

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.