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 insurance prices for a Honda HR-V are $1,262 every 12 months for full coverage. Comprehensive insurance costs an estimated $228 a year, collision costs $424, and liability costs $452. A policy with just liability insurance costs as little as $504 a year, with coverage for high-risk drivers costing $2,742 or more. 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:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. More rural locations have more infrequent accident claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above show why it is important to compare rates for a targeted area and their own driving history, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $735
• Drivers who choose higher $1,000 deductibles will pay approximately $1,116 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,262
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $288 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,742 or more
• The price to insure a teen driver can cost as much as $4,884 a year

View Chart as Image

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

Choosing high deductibles could save up to $440 every year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 132% more than average. View High Risk Driver Rates

The state you live in 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 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 get quotes and see which company has the best price. Every company uses a different rate calculation, so the prices may be quite different.

How to Shop for Affordable Honda HR-V Insurance

Getting lower rates on car insurance not only requires being safe and accident-free, but also having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief review of the coverage data covered above.

• Drivers can save approximately $150 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $425 each year
• Youthful drivers are charged the highest prices, with premiums as much as $407 a month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,480 more annually than a low-risk driver

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.