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.

U.S. average auto insurance rates for a Honda HR-V are $1,312 annually with full coverage. Comprehensive insurance costs an estimated $250 a year, collision insurance costs $474, and liability costs $430. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs $2,850 or more. Teen drivers pay the highest rates at up to $5,012 a year.

Average premium for full coverage: $1,312

Price estimates broken down by individual coverage:

Prices include $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. More rural locations have fewer collision claims than larger metro areas. The diagram below illustrates how where you live affects insurance prices.

The ranges above demonstrate why it is important to compare rates 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 Rate Analysis

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

• The lowest rate with discounts is $759
• Drivers who choose higher $1,000 deductibles will pay approximately $1,148 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,312
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $322 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,850
• The price with full coverage for a 16-year-old driver can cost as much as $5,012 a year

View Chart as Image

Car insurance prices for a Honda HR-V are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $490 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy the Right Honda HR-V Insurance

Getting lower rates on insurance for a Honda HR-V not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a quick rundown of the data touched on in the above illustrations.

• Insureds who want increased levels of liability coverage will pay about $470 every year to go from a low limit to higher 250/500 limits
• You may be able to save approximately $160 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $475 each year
• Drivers age 20 and younger have the highest car insurance prices, costing up to $418 a 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.