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. Comprehensive costs an estimated $228 a year, collision insurance costs $424, and liability costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs around $2,742. Teenage drivers pay the most at up to $4,884 a year.

Average premium for full coverage: $1,262

Premium estimates broken down by type of coverage:

Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences show why it is important to compare prices for a targeted area and their own driving history, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $735
• Using higher $1,000 deductibles will save approximately $1,116 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,262
• Using low $100 deductibles for physical damage coverage increases the price to $1,550
• Drivers who are prone to accidents and violations could pay up to $2,742
• An auto insurance policy to insure a teen driver can cost as much as $4,884 or more

View Chart as Image

Insurance prices for a Honda HR-V also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $440 every year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see prices as low as $830 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,800 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for More Affordable Honda HR-V Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates once a year by quoting rates from direct carriers, and also from several local insurance agents.

Below is a summary of the data that was covered above.

• Drivers can save approximately $150 per year just by quoting early and online
• Policyholders who want higher levels of liability will pay an extra $500 each year to increase from 30/60 bodily injury limits to a 250/500 level
• Teenage drivers are charged the highest prices, as much as $407 per month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations pay on average $1,480 more annually for auto 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.