Honda HR-V Insurance Rates

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View 2019 Honda HR-V Insurance Quotes in 2025

Searching for the cheapest insurance coverage rates? Consumers have many options when looking for the best price on Honda HR-V insurance. They can either spend hours calling around trying to get quotes or utilize the internet to make rate comparisons. There are both good and bad ways to find insurance coverage online so you're going to learn the proper way to price shop coverage for a new or used ...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Apr 15, 2024

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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.

Estimated auto insurance rates for a Honda HR-V are $1,296 annually including full coverage. Comprehensive costs around $238 each year, collision costs $458, and liability coverage costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $2,818. Teens pay the most at $4,988 a year or more.

Average premium for full coverage: $1,296

Premium estimates for type of coverage:

Comprehensive $238
Collision $458
Liability $442

Prices are based on $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and HR-V models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Honda HR-V go from as cheap as $496 for liability-only coverage to a high rate of $2,818 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $1,296
High Risk $2,818

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance rates.

Rural Areas $972
Small Cities $1,361
Large Cities $1,750

These rate differences highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

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

  • The cheapest rate after discounts is $749
  • Using higher $1,000 deductibles will save about $160 every year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,296
  • Selecting low deductibles for physical damage coverage will cost $1,602
  • Higher-risk drivers with serious driving violations could pay at least $2,818 or more
  • An auto insurance policy with full coverage for a teenage driver can be $4,988 or more

View Chart as Image

Honda HR-V insurance cost comparison chart
Column chart showing full coverage Honda HR-V insurance rates range from $749 to $4,988

Insurance prices for a Honda HR-V also have a wide range based on the model of your HR-V, your driving characteristics, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,600 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers can be around 44% to 138% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $470 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see prices as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,850 on average in Michigan, New York, and Louisiana.

Honda HR-V Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,172 -$124 -9.6%
Alaska $994 -$302 -23.3%
Arizona $1,076 -$220 -17.0%
Arkansas $1,296 -$0 0.0%
California $1,476 $180 13.9%
Colorado $1,236 -$60 -4.6%
Connecticut $1,332 $36 2.8%
Delaware $1,466 $170 13.1%
Florida $1,620 $324 25.0%
Georgia $1,196 -$100 -7.7%
Hawaii $930 -$366 -28.2%
Idaho $876 -$420 -32.4%
Illinois $964 -$332 -25.6%
Indiana $974 -$322 -24.8%
Iowa $872 -$424 -32.7%
Kansas $1,232 -$64 -4.9%
Kentucky $1,768 $472 36.4%
Louisiana $1,920 $624 48.1%
Maine $798 -$498 -38.4%
Maryland $1,070 -$226 -17.4%
Massachusetts $1,038 -$258 -19.9%
Michigan $2,250 $954 73.6%
Minnesota $1,082 -$214 -16.5%
Mississippi $1,552 $256 19.8%
Missouri $1,148 -$148 -11.4%
Montana $1,392 $96 7.4%
Nebraska $1,020 -$276 -21.3%
Nevada $1,552 $256 19.8%
New Hampshire $932 -$364 -28.1%
New Jersey $1,448 $152 11.7%
New Mexico $1,148 -$148 -11.4%
New York $1,366 $70 5.4%
North Carolina $746 -$550 -42.4%
North Dakota $1,060 -$236 -18.2%
Ohio $896 -$400 -30.9%
Oklahoma $1,332 $36 2.8%
Oregon $1,188 -$108 -8.3%
Pennsylvania $1,236 -$60 -4.6%
Rhode Island $1,728 $432 33.3%
South Carolina $1,172 -$124 -9.6%
South Dakota $1,094 -$202 -15.6%
Tennessee $1,136 -$160 -12.3%
Texas $1,562 $266 20.5%
Utah $960 -$336 -25.9%
Vermont $886 -$410 -31.6%
Virginia $776 -$520 -40.1%
Washington $1,004 -$292 -22.5%
West Virginia $1,188 -$108 -8.3%
Wisconsin $896 -$400 -30.9%
Wyoming $1,156 -$140 -10.8%

View Chart as Image

Honda HR-V insurance rates by U.S. city

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, and prices will be substantially different between companies.

Honda HR-V Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Honda HR-V $280 $512 $390 $1,340
2023 Honda HR-V $270 $506 $398 $1,332
2022 Honda HR-V $260 $494 $416 $1,328
2021 Honda HR-V $250 $474 $430 $1,312
2020 Honda HR-V $238 $458 $442 $1,296
2019 Honda HR-V $228 $424 $452 $1,262
2018 Honda HR-V $218 $400 $456 $1,232
2017 Honda HR-V $210 $358 $460 $1,186
2016 Honda HR-V $196 $330 $460 $1,144

Rates are averaged for all Honda HR-V models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Affordable Honda HR-V Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having good credit, refrain from filing small claims, and taking advantage of discounts. Make time to compare rates once a year by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a brief review of the data that was touched on in this article.

  • You may be able to save up to $160 per year simply by quoting online in advance
  • Consumers who may need higher liability limits will pay approximately $490 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
  • Teens are charged the highest prices, with the cost nearing $416 per month if they have full coverage
  • Drivers with DUI or reckless driving convictions may pay on average $1,520 more every year for HR-V 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.

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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:

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.

Rates by Driver Age

Honda HR-V Insurance Rates by Driver Age
Driver Age Premium
16 $4,988
20 $3,010
30 $1,342
40 $1,296
50 $1,186
60 $1,162

Full coverage, $500 deductibles

Rates by Deductible

Honda HR-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,602
$250 $1,460
$500 $1,296
$1,000 $1,136

Full coverage, driver age 40

Rates by Liability Limit

Honda HR-V Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,296
50/100 $1,384
100/300 $1,495
250/500 $1,782
100 CSL $1,429
300 CSL $1,672
500 CSL $1,849

Full coverage, driver age 40

Rates for High Risk Drivers

Honda HR-V Insurance Rates for High Risk Drivers
Age Premium
16 $7,096
20 $4,802
30 $2,868
40 $2,818
50 $2,692
60 $2,668

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $183

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $93
5-yr Claim Free $84
Paid in Full/EFT $57
Advance Quote $64
Online Quote $91
Total Discounts $547
Rate after discounts $749

Discounts are estimated and may not be available from every company or in every state.

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