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.

Estimated auto insurance rates for a Honda HR-V are $1,262 annually with full coverage. Comprehensive insurance costs on average $228, collision costs $424, and liability costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing $2,742 or more. Teenage drivers pay the most at $4,884 a year or more.

Average premium for full coverage: $1,262

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for different HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities.

The price range example below illustrates how location impacts car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

The chart below details estimated Honda HR-V insurance rates for different risk profiles and scenarios.

• The best discount rate is $735
• Using higher $1,000 deductibles will save around $146 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,262
• Using more expensive low deductibles for physical damage coverage costs an additional $288 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,742 or more
• An auto insurance policy with full coverage for a teen driver with full coverage may cost $4,884 or more

View Chart as Image

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

An older driver with a good driving record and high physical damage deductibles may pay as little as $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 will have to pay upwards of $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $440 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see prices as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different between companies.

How to Buy Low Cost Honda HR-V Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and taking advantage of discounts. Spend time shopping around every other policy renewal by getting quotes from direct companies, and also from local independent and exclusive agents.

The points below are a review of the ideas that were touched on above.

• Drivers under the age of 20 are charged the highest prices, possibly costing $407 per month if full coverage is included
• Higher risk drivers who have several accidents or serious violations pay an average of $1,480 more each year to insure a Honda HR-V
• Increasing policy deductibles could save up to $425 each year
• You may be able to save as much as $150 per year simply by shopping early and online

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.