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 prices for a Honda HR-V are $1,262 every 12 months for full coverage. Comprehensive costs an estimated $228 each year, collision insurance costs $424, and liability insurance costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs around $2,742. Teen drivers receive the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Rate estimates broken down by individual coverage type:

Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects insurance prices.

These examples show why all drivers should compare rates 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.

More Rate Details

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

• The lowest rate with discounts is $735
• Drivers who choose higher $1,000 deductibles will pay approximately $146 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,262
• Choosing low deductibles for comprehensive and collision insurance increases the price to $1,550
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,742
• The cost to insure a teen driver can cost as much as $4,884 a year

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Choosing high deductibles could save up to $440 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

Where you live makes a big difference in Honda HR-V insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Iowa, Maine, and Idaho, or as much as $1,800 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for Affordable Honda HR-V Insurance

Saving money on Honda HR-V insurance not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Set aside time to shop around every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief review of the ideas that were raised in the charts and tables above.

• Teens are the costliest to insure, costing as high as $407 per month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions pay on average $1,480 more annually for HR-V insurance
• Increasing deductibles could save as much as $425 each year
• Drivers can save approximately $150 per year just by quoting online in advance

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.