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 auto insurance rates for a Honda HR-V are $1,262 annually for full coverage. Comprehensive costs on average $228 a year, collision costs $424, and liability is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing around $2,742. Teen drivers cost the most to insure at $4,884 a year or more.

Average premium for full coverage: $1,262

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas.

The diagram below illustrates how location impacts car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of using price averages.

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

Detailed Rate Analysis

The chart below shows estimated Honda HR-V insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $735
• Raising to $1,000 deductibles will save around $1,116 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,262
• Choosing low $100 deductibles will cost $1,550
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,742 or more
• Policy cost with full coverage for a teen driver may cost $4,884

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $440 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates 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

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes will be varied between companies.

How to Buy Low Cost Honda HR-V Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around at every other renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a review of the concepts that were touched on above.

• Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,480 more each year for car insurance
• Teenagers are expensive to insure, costing up to $407 each month if comprehensive and collision insurance is included
• Drivers can save as much as $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $425 each year
• Drivers can save as much as $150 per year simply by quoting early and online

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.