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.

The average insurance rates for a Honda HR-V are $1,262 a year for full coverage. Comprehensive costs an estimated $228, collision insurance costs $424, and liability costs $452. A liability-only policy costs as little as $504 a year, and high-risk insurance costs around $2,742. Teenage drivers cost the most to insure at up to $4,884 a year.

Average premium for full coverage: $1,262

Policy rates broken down by type of insurance:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities. The price range example below illustrates the difference location can make on insurance prices.

The examples above show why anyone shopping for car insurance should compare rates for a targeted area, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $735
• Drivers who choose higher $1,000 deductibles will pay approximately $146 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,262
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,550
• Drivers who are prone to accidents and violations could pay up to $2,742
• Policy cost that insures a 16-year-old driver with full coverage can cost as much as $4,884 a year

View Chart as Image

Car insurance rates for a Honda HR-V also range considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $4,800 a year. View Rates by Age

Your home state makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,800 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $440 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V not only requires avoiding accidents and violations, but also having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Compare prices once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The list below is a recap of the data that was touched on in this article.

• Drivers can save approximately $150 per year just by shopping early and online
• Insureds who want higher liability limits will pay an extra $500 each year to go from a 30/60 limit to the 250/500 level
• Teenagers have the highest car insurance rates, costing up to $407 each month if full coverage is purchased
• Drivers considered higher risk that have major violations or accidents may pay on average $1,480 more annually for car 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.