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 prices for a Honda HR-V are $1,262 every 12 months for full coverage. Comprehensive insurance costs around $228 a year, collision costs $424, and liability coverage is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing $2,742 or more. Teenage drivers pay the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Price estimates for individual coverage:

Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population have more infrequent accident claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above show why it is important to get quotes for a specific zip code and their own driving history, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $735
• Choosing higher $1,000 deductibles can save about $1,116 a year
• The average price for the average middle-age driver using $500 deductibles is $1,262
• Using low $100 deductibles for comp and collision coverage costs an extra $288 each year
• Drivers who are prone to accidents and violations could pay at least $2,742 or more
• The price to insure a teenage driver can be $4,884 each year

View Chart as Image

Auto insurance prices for a Honda HR-V are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles can save as much as $440 a year, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay as much as $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 132% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

Since prices can be so different, the only way to know your exact price is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different.

How to Shop for Low Cost Honda HR-V Insurance

Getting lower rates on auto insurance takes being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a review of the data that was covered above.

• Drivers can save up to $150 per year simply by quoting early and online
• Consumers who may need higher levels of liability will pay an extra $500 each year to raise limits from a low limit to a 250/500 level
• Teenage drivers are expensive to insure, with premiums as much as $407 a month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations may pay on average $1,480 more every year for auto 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.

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.