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.

The average insurance rates for a Honda HR-V are $1,262 a year with full coverage. Comprehensive insurance costs on average $228, collision insurance costs $424, and liability insurance costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs $2,742 or more. Teens cost the most to insure at up to $4,884 a year.

Average premium for full coverage: $1,262

Policy rates by type of insurance:

Rates are based on $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates based on a specific location, rather than relying on averaged prices.

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

Additional Rate Details

The chart below details average Honda HR-V insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $735
• Drivers who choose higher $1,000 deductibles will pay around $146 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,262
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $288 a year
• High risk drivers with serious driving violations could pay upwards of $2,742
• Policy cost that insures a teen driver with full coverage may cost $4,884 a year

View Chart as Image

Auto insurance rates for a Honda HR-V also range considerably based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $4,800 a year. View Rates by Age

Your home state makes a big difference in Honda HR-V insurance rates. A 40-year-old driver could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $440 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Honda HR-V Insurance

Finding cheaper rates on Honda HR-V insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare rates at least once a year by getting quotes from direct companies, and also from several local insurance agents.

The following is a quick review of the primary concepts that were covered above.

• You may be able to save as much as $150 per year just by shopping early and online
• High-risk drivers with a DUI or reckless driving violation pay on average $1,480 more each year for HR-V insurance
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Teens are charged the highest rates, as much as $407 each month if the policy includes full coverage

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.