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 rates for a Honda HR-V are $1,262 a year for full coverage. Comprehensive insurance costs around $228, collision costs $424, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance 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 for individual coverage:

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

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than larger metro areas.

The price range example below illustrates how location helps determine auto insurance rates.

The ranges above show why anyone shopping for car insurance should get quotes for a specific zip code, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $735
• Choosing higher $1,000 deductibles can save about $146 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,262
• Choosing more expensive low deductibles for comp and collision coverage will cost an additional $288 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,742 or more
• The price that insures a 16-year-old driver with full coverage can be $4,884 each year

View Chart as Image

Car insurance prices for a Honda HR-V are also quite variable based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance ranges from 43% to 132% more than average. 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 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $4,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $440 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to compare prices from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes may be quite different.

How to Find Affordable Honda HR-V Insurance

Getting lower rates on insurance for a Honda HR-V takes having a decent driving record, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Shop around at every policy renewal by requesting quotes from direct carriers, and also from several local insurance agents.

The following items are a brief review of the data covered in the charts and tables above.

• Insureds who may need additional liability coverage will pay about $500 each year to raise limits from a low limit to the 250/500 level
• Drivers can save up to $150 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $425 each year
• 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $407 a month if full coverage is purchased

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.