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.

Average insurance rates for a Honda HR-V are $1,262 a year for full coverage. Comprehensive costs an estimated $228 each year, collision costs $424, and liability is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing around $2,742. Teens receive the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Rate estimates broken down by individual coverage type:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. More rural locations tend to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects insurance prices.

These examples show why all drivers should compare rates quotes for a targeted area, instead of using averaged prices.

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

Additional Rate Details

The chart below shows estimated Honda HR-V insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $735
• Raising to $1,000 deductibles will save approximately $146 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,262
• Selecting low deductibles bumps up the cost to $1,550
• At-risk drivers with serious driving violations could pay up to $2,742 or more
• The cost that insures a teen driver can cost as much as $4,884

View Chart as Image

Car insurance rates for a Honda HR-V can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $4,800 a year. View Rates by Age

Where you live also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates as low as $830 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,800 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $440 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, so rate quotes can be significantly different.

How to Find the Best Honda HR-V Insurance

Saving money on car insurance consists of being safe and accident-free, having a positive credit history, eliminating unneeded coverage, and not having any coverage lapses. Compare rates every couple of years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the material that was raised in the charts and tables above.

• Policyholders who want more liability protection will pay approximately $500 each year to raise from a minimum limit to the 250/500 level
• Youthful drivers have the highest car insurance rates, costing as high as $407 per month if full coverage is purchased
• Higher risk drivers who tend to receive serious violations may pay on average $1,480 more annually than a low-risk driver
• Increasing deductibles can save approximately $425 each year

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.