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 auto insurance rates for a Honda HR-V are $1,262 annually including full coverage. Comprehensive insurance costs an estimated $228, collision costs $424, and liability insurance costs around $452. A policy with only liability insurance costs as low as $504 a year, with a high-risk policy costing $2,742 or more. Teen drivers pay the most at $4,884 a year or more.

Average premium for full coverage: $1,262

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM 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

Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location impacts insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save approximately $146 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,262
• Choosing more expensive low deductibles for physical damage coverage costs an additional $288 a year
• Drivers with multiple violations and an at-fault accident could pay up to $2,742 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $4,884 or more

View Chart as Image

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

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age

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

Choosing high deductibles could cut prices by as much as $440 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be substantially different between companies.

How to Buy Cheaper Honda HR-V Insurance

Finding better rates on Honda HR-V insurance requires being safe and accident-free, having a good credit score, refrain from filing small claims, and not having any coverage lapses. Spend time shopping around once a year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a condensed summary of the data that was touched on above.

• You may be able to save approximately $150 per year simply by shopping early and online
• Drivers who want more liability protection will pay about $500 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
• Youthful drivers have the highest car insurance prices, with the cost nearing $407 per month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,480 more annually than a low-risk 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.