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 around $228 a year, collision costs $424, and liability is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing around $2,742. Teen drivers receive the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Rate estimates for individual coverage type:

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples show why it is important to get quotes for a specific zip code and risk profile, instead of making a decision based on price averages.

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

More Rate Information

The chart below shows estimated Honda HR-V insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $735
• Choosing higher $1,000 deductibles can save about $1,116 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,262
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,550
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,742 or more
• The cost for full coverage for a 16-year-old driver can be $4,884 each year

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on your driver profile, the trim level of your HR-V, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $440 annually, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,500 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges from 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

How to Find the Right Honda HR-V Insurance

Saving money on insurance for a Honda HR-V takes having a decent driving record, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to compare rates at least every other year by requesting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following items are a quick rundown of the car insurance concepts covered above.

• Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,480 more every year than a driver with a clean driving record
• Drivers can save up to $150 per year simply by quoting early and online
• Increasing deductibles can save around $425 each year
• Insureds who may need additional liability coverage will pay about $500 each year to raise limits from a minimum limit to 250/500 limits

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.