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 insurance prices for a Honda HR-V are $1,262 every 12 months including full coverage. Comprehensive insurance costs on average $228 each year, collision costs $424, and liability costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing $2,742 or more. 16-year-old drivers receive the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than congested cities.

The graphic below illustrates how location helps determine car insurance rates.

These examples highlight why all drivers should compare prices based on a specific location and their own driving history, instead of using rate averages.

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

Additional Rate Details

The chart below breaks down estimated Honda HR-V insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $735
• Using higher $1,000 deductibles will save around $146 every year
• The average price for a 40-year-old driver with $500 deductibles is $1,262
• Buying low deductibles for physical damage coverage costs an extra $288 every year
• Drivers with multiple tickets or accidents could pay upwards of $2,742 or more
• The cost to insure a teen driver may cost $4,884 or more

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your HR-V.

Opting for high physical damage deductibles could cut rates by as much as $440 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,800 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company utilizes a different rate formula, so the rates can be significantly different.

How to Shop for the Best Honda HR-V Insurance

Saving money on car insurance requires avoiding accidents and claims, having good credit, not filing small claims, and bundling your home and auto policies. Invest time comparing rates once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief recap of the data that was covered in the charts and tables above.

• You may be able to save as much as $150 per year simply by quoting online in advance
• Policyholders who require increased liability limits will pay around $500 per year to increase from a minimum limit to a 250/500 level
• Drivers under the age of 20 pay the highest rates, as much as $407 per month if they have full coverage
• Higher risk drivers who tend to receive serious violations may pay on average $1,480 more each year to insure a Honda HR-V

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.