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 auto insurance rates for a Honda HR-V are $1,262 annually for full coverage. Comprehensive insurance costs an estimated $228, collision insurance costs $424, and liability costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs $2,742 or more. Teen drivers receive the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Rate estimates broken down by individual coverage type:

Prices include $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas. The price range example below illustrates how where you live affects insurance prices.

These examples show why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save approximately $146 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,262
• Choosing more expensive low deductibles for physical damage coverage costs an additional $288 every year
• Drivers with multiple violations and an at-fault accident could pay up to $2,742
• The cost with full coverage for a teen driver with full coverage can cost as much as $4,884 or more

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on the trim level of your HR-V, your driver profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $440 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see rates 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

How to Buy the Right Honda HR-V Insurance

Saving money on car insurance requires not taking risks behind the wheel, having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Take the time to comparison shop every time your policy renews by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a quick rundown of the information touched on in the above illustrations.

• Drivers can save approximately $150 per year just by shopping early and online
• Teens are the costliest to insure, costing as high as $407 per month if full coverage is included
• Increasing deductibles could save up to $425 each year
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,480 more annually for HR-V insurance
• Policyholders who want higher liability limits will pay about $500 each year to increase from a minimum limit to higher 250/500 limits

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.