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

Average premium for full coverage: $1,262

Policy rates for type of insurance:

Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than congested cities. The example below illustrates how where you live affects auto insurance rates.

The examples above show why everyone should compare prices for a specific zip code and risk profile, rather than relying on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $735
• Using higher $1,000 deductibles will save about $146 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,262
• Buying pricier low deductibles for physical damage coverage will cost an extra $288 a year
• Drivers with multiple tickets or accidents could pay at least $2,742
• Policy cost for full coverage for a teen driver for full coverage can be $4,884 or more

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on your risk profile, the trim level of your HR-V, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age

Your home state has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see rates as low as $830 a year in states like Idaho, Maine, and Iowa, or at least $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $440 each year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra every year, depending on your age. Honda HR-V insurance for high-risk drivers can be anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

How to Find the Right Honda HR-V Insurance

Finding cheaper rates on Honda HR-V insurance requires not taking risks behind the wheel, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following is a quick rundown of the concepts that were touched on in the above illustrations.

• High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,480 more every year for HR-V insurance
• Teens pay higher rates, costing up to $407 each month for full coverage
• Drivers can save up to $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $425 each year
• Drivers can save up to $150 per year just by quoting online well ahead of the renewal date

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.