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 insurance. Comprehensive insurance costs approximately $228, collision costs $424, and liability is $452. A policy with only liability insurance costs around $504 a year, with a high-risk policy costing $2,742 or more. Teens pay the most at $4,884 a year or more.

Average premium for full coverage: $1,262

Premium estimates by type of coverage:

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all HR-V models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance prices.

These rate differences illustrate why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $735
• Raising to $1,000 deductibles will save $146 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,262
• Selecting pricier low deductibles costs an additional $288 annually
• Drivers with serious driving violations could pay around $2,742 or more
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost $4,884

View Chart as Image

Car insurance prices for a Honda HR-V also have a wide range based on the model of your HR-V, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months 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 be charged in the ballpark of $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost from 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 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live 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 North Carolina, Wisconsin, and Vermont, or have to pay at least $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Every auto insurance company calculates prices differently, so rate quotes will be substantially different between companies.

How to Buy the Right Honda HR-V Insurance

Finding better rates on insurance for a Honda HR-V consists of being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Take the time to comparison shop at least once a year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a quick rundown of the primary concepts that were touched on in the above illustrations.

• It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,480 more per year for auto insurance
• Increasing policy deductibles could save up to $425 each year
• Teenage drivers pay the highest auto insurance prices, with premiums being up to $407 per month if comprehensive and collision insurance is included

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.