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.

Estimated insurance rates for a Honda HR-V are $1,262 a year including full coverage. Comprehensive insurance costs approximately $228, collision insurance costs $424, and liability insurance costs $452. A policy with only liability insurance costs as little as $504 a year, and a high-risk policy costs $2,742 or more. 16-year-old drivers pay the most at up to $4,884 a year.

Average premium for full coverage: $1,262

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates how location helps determine auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $735
• Drivers who choose higher $1,000 deductibles will pay $146 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,262
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $288 a year
• High risk drivers with multiple tickets or accidents could pay around $2,742
• An auto insurance policy for full coverage for a teen driver with full coverage can cost $4,884 a year

View Chart as Image

Car insurance prices for a Honda HR-V also have a wide range based on your driving characteristics, the model of your HR-V, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $4,800 a year. View Rates by Age

Where you choose to live makes a big difference in Honda HR-V insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $440 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

How to Find Cheap Honda HR-V Insurance

Finding better rates on Honda HR-V insurance not only requires having a decent driving record, but also having above-average credit, refrain from filing small claims, and attention to physical damage deductibles. Invest time comparing rates once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

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

• You may be able to save around $150 per year just by shopping early and online
• Drivers who purchase additional liability coverage will pay around $500 per year to go from 30/60 bodily injury limits to 250/500 limits
• 16 to 18-year-old drivers pay the highest auto insurance prices, with the cost nearing $407 per month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,480 more per year than a driver with a clean driving record

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.