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.

Estimated auto insurance rates for a Honda HR-V are $1,262 annually for full coverage. Comprehensive costs around $228, collision costs $424, and liability coverage costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,742. Teens pay the most at $4,884 a year or more.

Average premium for full coverage: $1,262

Premium estimates for type of coverage:

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $735
• Drivers who choose higher $1,000 deductibles will pay about $146 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,262
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,550
• High-risk insureds with serious driving violations could pay at least $2,742 or more
• An auto insurance policy with full coverage for a teenage driver with full coverage can be $4,884 a year

View Chart as Image

Auto insurance prices for a Honda HR-V also have a wide range based on the model of your HR-V, your driver profile, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can cost around 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $440 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

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

View Chart as Image

With such a large range in prices, the only way to know your exact price is to compare prices and see how they stack up. Every company calculates prices differently, and quoted prices will be substantially different between companies.

How to Buy Affordable Honda HR-V Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates every other policy renewal by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.

Below is a brief review of the ideas that were touched on in this article.

• Teenage drivers are expensive to insure, as much as $407 per month if full coverage is included
• Drivers with DUI or reckless driving convictions pay an average of $1,480 more every year for auto insurance
• Increasing policy deductibles could save up to $425 each year
• Drivers can save up to $150 per year simply by shopping 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.