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 prices for a Honda HR-V are $1,262 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $228, collision costs $424, and liability coverage costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance 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 by type of coverage:

Prices are based on $500 deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates the effect of geographic area on auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than using price averages.

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

Additional Charts and Tables

The chart below illustrates estimated Honda HR-V insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $735
• Drivers who choose higher $1,000 deductibles will pay $146 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,262
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $288 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,742 or more
• An auto insurance policy to insure a teenage driver with full coverage can cost $4,884 a year

View Chart as Image

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

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

An older driver with a good driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can cost around 43% to 132% more than average. View High Risk Driver Rates

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 $830 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Every company uses a different rate calculation, and quoted prices will be substantially different.

How to Shop for Affordable Honda HR-V Insurance

Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to compare rates every year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following is a brief review of the coverage data covered in the above illustrations.

• It is possible to save around $150 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $425 each year
• Teens have the highest car insurance prices, with premiums being up to $407 per month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions may have to pay on average $1,480 more per year for HR-V insurance

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.