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 including full coverage. Comprehensive costs an estimated $228, collision costs $424, and liability costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing around $2,742. 16-year-old drivers cost the most to insure at $4,884 a year or more.

Average premium for full coverage: $1,262

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

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

The examples above highlight why everyone should compare rates for a targeted area, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

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

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on the model of your HR-V, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,500 to $2,100 extra every year, depending on your age. Honda HR-V insurance for high-risk drivers can cost from 43% to 132% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record 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 highest for teenagers, since even teens with perfect driving records can expect to pay 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 $970 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $440 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, so the rates will be varied.

How to Find the Best Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop at least every other year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a brief recap of the car insurance concepts covered above.

• Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,480 more annually than a low-risk driver
• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Insureds who want more liability protection will pay around $500 per year to go from a 30/60 limit to the 250/500 level

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.