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 rates for a Honda HR-V are $1,262 a year for full coverage. Comprehensive costs an estimated $228 each year, collision insurance costs $424, and liability coverage is $452. A policy with just liability insurance costs around $504 a year, and coverage for high-risk drivers costs around $2,742. 16-year-old drivers pay the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and HR-V models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than congested cities. The graphic below illustrates how your location can change insurance prices.

The ranges above show why all drivers should compare rates quotes for a targeted area and risk profile, rather than using rate averages.

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

Additional Rate Details

The chart below shows average Honda HR-V insurance rates for other coverage scenarios.

• The best full coverage rate is $735
• Raising to $1,000 deductibles will save approximately $146 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,262
• Buying low deductibles will increase the cost to $1,550
• Unlucky drivers with multiple tickets or accidents could pay up to $2,742
• The price for full coverage for a teenage driver can cost as much as $4,884

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on your driving record, the trim level of your HR-V, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,800 a year. View Rates by Age

The state you live in also has a big influence on Honda HR-V insurance rates. A middle-age driver might find prices as low as $830 a year in states like Iowa, Maine, and Idaho, or at least $1,800 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $440 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

How to Find Cheaper Honda HR-V Insurance

Getting lower rates on auto insurance consists of being a good driver, maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every year by requesting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The following list is a condensed summary of the coverage data illustrated above.

• Drivers can save approximately $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $425 each year
• Drivers age 16 to 20 are charged the highest prices, with premiums as much as $407 a month for full coverage
• Drivers with multiple at-fault accidents pay an average of $1,480 more annually than a safer driver

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.