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.

Estimated insurance rates for a Honda HR-V are $1,262 a year with full coverage. Comprehensive insurance costs an estimated $228, collision insurance costs $424, and liability costs around $452. A liability-only policy costs as low as $504 a year, and high-risk insurance costs $2,742 or more. 16-year-old drivers pay the most at up to $4,884 a year.

Average premium for full coverage: $1,262

Premium estimates broken down by type of coverage:

Prices are based on $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than congested cities. The price range example below illustrates how your location can change insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below details average Honda HR-V insurance rates for other coverage scenarios.

• The best full coverage rate is $735
• Using higher $1,000 deductibles will save approximately $146 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,262
• Buying more expensive low deductibles for physical damage coverage will cost an extra $288 annually
• High-risk insureds with multiple tickets or accidents could pay up to $2,742
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $4,884 or more

View Chart as Image

Auto insurance prices for a Honda HR-V also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $4,800 a year. View Rates by Age

Where you choose to live has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see prices as low as $910 a year in states like Utah, Ohio, and New Hampshire, or at least $1,710 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $440 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be from 43% to 132% more than the average rate. View High Risk Driver Rates

How to Find Affordable Honda HR-V Insurance

Finding better rates on insurance for a Honda HR-V requires having a good driving record, having good credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a brief review of the data that was illustrated above.

• You may be able to save approximately $150 per year just by shopping early and online
• Insureds who want increased levels of liability coverage will pay around $500 every year to increase from 30/60 bodily injury limits to 250/500 limits
• Drivers age 20 and younger are the costliest to insure, possibly costing $407 per month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,480 more annually to buy Honda HR-V insurance

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.