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 insurance prices for a Honda HR-V are $1,296 every 12 months with full coverage. Comprehensive costs around $238 a year, collision costs $458, and liability insurance costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $2,818. Teen drivers pay the most at $4,988 a year or more.

Average premium for full coverage: $1,296

Premium estimates for type of coverage:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than larger metro areas.

The diagram below illustrates the difference location can make on auto insurance rates.

These rate differences demonstrate why it is important to compare prices for a specific zip code and their own driving history, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $749
• Using higher $1,000 deductibles will save about $1,136 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,296
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,602
• Drivers with multiple violations and an at-fault accident could pay at least $2,818 or more
• An auto insurance policy to insure a teen driver can be $4,988 or more

View Chart as Image

Insurance prices for a Honda HR-V also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $470 each year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 138% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and prices will be substantially different.

How to Shop for Cheaper Honda HR-V Insurance

Finding better rates on Honda HR-V insurance requires having a good driving record, having above-average credit, being claim-free, and taking advantage of discounts. Make time to compare rates once a year by quoting rates from direct companies, and also from several local insurance agents.

The next list is a condensed summary of the data that was touched on in this article.

• You may be able to save up to $160 per year simply by quoting early and online
• Drivers who may need increased levels of liability coverage will pay about $490 every year to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers age 20 and younger are charged the highest prices, possibly costing $416 per month if full coverage is included
• High-risk drivers with multiple at-fault accidents pay on average $1,520 more every year to buy Honda HR-V insurance

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.