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 with full coverage. Comprehensive costs an estimated $228, collision costs $424, and liability insurance is $452. A policy with just liability insurance costs around $504 a year, with coverage for high-risk drivers costing around $2,742. Teen drivers pay the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Price estimates broken down by individual coverage:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all HR-V models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations have more infrequent collision claims than larger metro areas.

The example below illustrates how your location can change insurance prices.

The ranges above demonstrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below details estimated Honda HR-V insurance rates for other coverage scenarios.

• The lowest rate with discounts is $735
• Raising to $1,000 deductibles will save approximately $146 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,262
• Choosing pricier low deductibles increases the price to $1,550
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,742 or more
• The price to insure a teen driver for full coverage can cost as much as $4,884

View Chart as Image

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

Choosing high deductibles can reduce prices by up to $440 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,500 to $2,100 extra each year, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

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 $910 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,710 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices may be quite different.

How to Shop for the Best Honda HR-V Insurance

Getting lower rates on Honda HR-V insurance consists of being a low-risk driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief recap of the information illustrated above.

• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Teen drivers are charged the highest prices, costing up to $407 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $425 each year
• High-risk drivers who tend to receive serious violations may pay on average $1,480 more annually to insure their HR-V
• Drivers who want more liability coverage will pay about $500 every year to raise from a low limit to a 250/500 level

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.