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. Comprehensive costs an estimated $228, collision costs $424, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance costing around $2,742. Teen drivers pay the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Price estimates broken down by individual coverage:

Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. More rural locations have fewer accident claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

More Rate Details

The chart below shows estimated Honda HR-V insurance rates for other coverage scenarios.

• The lowest rate with discounts is $735
• Choosing higher $1,000 deductibles can save approximately $146 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,262
• Choosing more expensive low deductibles for comp and collision coverage will cost $1,550
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,742 or more
• The price with full coverage for a teen driver with full coverage can cost as much as $4,884 each year

View Chart as Image

Car insurance prices for a Honda HR-V are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance ranges as much as 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $440 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in 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 Iowa, Maine, and Idaho, or as much as $1,800 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so rate quotes may be quite different between companies.

How to Buy the Cheapest Honda HR-V Insurance

Getting lower rates on car insurance takes having a good driving record, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a recap of the concepts that were presented in the illustrations above.

• Higher risk drivers that have major violations or accidents may pay on average $1,480 more annually to buy Honda HR-V insurance
• Drivers age 20 and younger have the highest car insurance prices, with premiums as much as $407 a month if comprehensive and collision insurance is included
• Drivers can save approximately $150 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $425 each year
• Drivers can save approximately $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.