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 with full coverage. Comprehensive costs on average $228 each year, collision costs $424, and liability insurance is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing around $2,742. Teenage drivers receive the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Rate estimates by individual coverage type:

Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas tend to have lower incidents of collision claims than densely populated cities.

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

These examples demonstrate why all drivers should compare rates quotes based on a specific location, rather than relying on 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 different risk profiles and scenarios.

• The best discount rate is $735
• Raising to $1,000 deductibles will save around $146 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,262
• Using low deductibles bumps up the cost to $1,550
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,742 or more
• The cost that insures a teen driver may cost $4,884

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could 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 can expect to pay upwards of $4,800 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $440 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different.

How to Find Affordable Honda HR-V Insurance

Saving money on Honda HR-V insurance consists of not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and bundling your home and auto policies. Compare prices at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief review of the concepts that were raised in the charts and tables above.

• High-risk drivers with DUI or reckless driving convictions pay on average $1,480 more each year for HR-V insurance
• Teens pay the highest rates, with premiums as much as $407 per month if full coverage is included
• You may be able to save as much as $150 per year simply by quoting online in advance
• Increasing deductibles can save approximately $425 each year
• You may be able to save as much as $150 per year simply by quoting online in advance

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.