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 $1,296 a year for full coverage insurance. Comprehensive costs approximately $238, collision costs $458, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,818. Teenage drivers cost the most to insure at $4,988 a year or more.

Average premium for full coverage: $1,296

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why everyone should compare rates using their specific location and risk profile, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $749
• Drivers who choose higher $1,000 deductibles will pay $160 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,296
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,602
• High risk drivers who are prone to accidents and violations could pay around $2,818 or more
• Policy cost for full coverage for a teen driver for full coverage can cost $4,988 a year

View Chart as Image

Car insurance rates for a Honda HR-V also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

Your home state makes a big difference in Honda HR-V insurance rates. A 40-year-old driver could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $470 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Honda HR-V insurance for high-risk drivers can cost anywhere from 44% to 138% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

How to Find More Affordable Honda HR-V Insurance

Finding cheaper rates on Honda HR-V insurance not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and avoiding coverage lapses. Invest the time to compare rates at least once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a summary of the primary concepts that were presented in the illustrations above.

• It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
• High-risk drivers who have multiple accidents or major violations may pay on average $1,520 more per year to insure a Honda HR-V
• Increasing comprehensive and collision deductibles can save around $475 each year
• Drivers under the age of 20 pay the highest auto insurance rates, possibly costing $416 each month if full coverage is included

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.