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 auto insurance rates for a Honda HR-V are $1,262 annually for full coverage insurance. Comprehensive costs an estimated $228, collision insurance costs $424, and liability is $452. Liability-only coverage costs around $504 a year, and high-risk coverage 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:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas. The price range example below illustrates how your location can change insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below illustrates average 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 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,262
• Choosing more expensive low deductibles will cost $1,550
• Drivers with multiple violations and an at-fault accident could pay up to $2,742
• The cost with full coverage for a 16-year-old driver with full coverage can cost as much as $4,884

View Chart as Image

Car insurance rates for a Honda HR-V can also vary considerably based on the trim level of your HR-V, your risk profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than average. View High Risk Driver Rates

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

Where you live also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates 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

How to Buy More Affordable Honda HR-V Insurance

Saving money on insurance for a Honda HR-V consists of being a good driver, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to shop around at every policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a summary of the data illustrated above.

• Insureds who want an increased level of liability coverage will pay about $500 annually to raise from a minimum limit to higher 250/500 limits
• It is possible to save approximately $150 per year just by shopping early and online
• Increasing deductibles could save up to $425 each year
• Drivers age 16 to 20 have the highest car insurance rates, costing up to $407 per month if comprehensive and collision insurance is included

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.