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 each year, collision costs $424, and liability costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage 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 for individual coverage type:

Price estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

These examples show why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $735
• Drivers who choose higher $1,000 deductibles will pay about $146 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,262
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,550
• Drivers who are prone to accidents and violations could pay at least $2,742 or more
• The cost for full coverage for a 16-year-old driver can be $4,884 a year

View Chart as Image

Car 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.

More mature drivers with no driving violations and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $4,800 a year. View Rates by Age

Where you live makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $440 annually, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every 12 months. 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 extra per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

How to Find Cheaper Honda HR-V Insurance

Saving money on insurance for a Honda HR-V not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates at every other renewal by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following is a condensed summary of the concepts that were presented in the illustrations above.

• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,480 more every year for HR-V insurance
• Teens are the costliest to insure, costing as high as $407 per month if full coverage is included
• Drivers can save up to $150 per year simply by quoting online in advance
• Increasing deductibles can save around $425 each year
• Drivers can save up to $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.