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.

Average insurance rates for a Honda HR-V are $1,262 a year including full coverage. Comprehensive costs on average $228, collision insurance costs $424, and liability is estimated at $452. A policy with just liability insurance costs approximately $504 a year, and coverage for high-risk drivers costs around $2,742. Teenage drivers receive the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects car insurance rates.

These examples highlight why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below breaks down average Honda HR-V insurance rates for different risk profiles and scenarios.

• The best discount rate is $735
• Choosing higher $1,000 deductibles can save around $146 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,262
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,550
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,742
• The cost for full coverage for a 16-year-old driver with full coverage may cost $4,884 each year

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on your driver profile, the model of your HR-V, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,800 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $440 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance ranges from 43% to 132% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Honda HR-V Insurance

Saving money on insurance for a Honda HR-V takes having a decent driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around every couple of years by requesting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a brief summary of the material that was raised in the charts and tables above.

• Insureds who require additional liability coverage will pay an extra $500 per year to raise limits from a minimum limit to 250/500 limits
• 16 to 18-year-old drivers pay higher rates, as much as $407 per month including comprehensive and collision insurance
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,480 more each year than a driver with a clean driving record
• Increasing deductibles can save around $425 each year

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.