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.

Average insurance rates for a Honda HR-V are $1,262 a year for full coverage insurance. Comprehensive costs approximately $228, collision costs $424, and liability coverage costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing around $2,742. Teenage drivers receive the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Rate estimates by individual coverage type:

Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

These examples illustrate why everyone should compare rates using their specific location, rather than using average rates.

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 additional coverage and risk scenarios.

• The best discount rate is $735
• Drivers who choose higher $1,000 deductibles will pay $146 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,262
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,550
• High-risk insureds who are prone to accidents and violations could pay around $2,742 or more
• The cost that insures a teenage driver for full coverage can cost $4,884 a year

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on the model of your HR-V, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. Honda HR-V insurance for high-risk drivers can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,800 a year. View Rates by Age

Where you 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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $440 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, and quoted rates can be significantly different.

How to Find the Right Honda HR-V Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The items below are a quick rundown of the primary concepts that were touched on above.

• It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
• Drivers with reckless driving or DUI convictions could be charged and average of $1,480 more per year to insure their HR-V
• Increasing deductibles can save approximately $425 each year
• Teen drivers have the highest car insurance rates, costing up to $407 per month if the policy includes full coverage

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.