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.

U.S. average auto insurance rates for a Honda HR-V are $1,262 annually for full coverage insurance. Comprehensive insurance costs on average $228, collision costs $424, and liability is $452. Buying just liability costs around $504 a year, with insurance for high-risk drivers costing $2,742 or more. Teens pay the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas have fewer physical damage claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $735
• Raising to $1,000 deductibles will save around $146 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,262
• Selecting more expensive low deductibles costs an additional $288 every year
• At-risk drivers with serious driving violations could pay upwards of $2,742 or more
• The price with full coverage for a teen driver with full coverage may cost $4,884

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $440 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Honda HR-V insurance prices. A middle-age driver might find prices as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company calculates prices differently, and prices may be quite different between companies.

How to Buy Affordable Honda HR-V Insurance

Getting lower rates on car insurance consists of being safe and accident-free, having good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around at least every other year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief review of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,480 more each year than a low-risk driver
• It is possible to save as much as $150 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $425 each year
• Policyholders who require more liability protection will pay approximately $500 annually to raise from a low limit to higher 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.