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 insurance rates for a Honda HR-V are $1,262 a year for full coverage insurance. Comprehensive insurance costs around $228, collision insurance costs $424, and liability coverage is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs $2,742 or more. Teen drivers pay the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Price estimates for individual coverage:

Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than using price averages.

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

More Rate Details

The chart below illustrates average Honda HR-V insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $735
• Raising to $1,000 deductibles will save about $146 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,262
• Choosing more expensive low deductibles will cost an extra $288 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,742
• The price for full coverage for a teenage driver with full coverage can be $4,884

View Chart as Image

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

An older driver with no driving violations and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $4,800 a year. View Rates by Age

The state you live in also has a big influence on Honda HR-V insurance rates. A middle-age driver might find prices as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

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

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than average. View High Risk Driver Rates

How to Find Low Cost Honda HR-V Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates every time your policy renews by requesting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a review of the information covered in the charts and tables above.

• It is possible to save up to $150 per year just by shopping early and online
• Teen drivers are the costliest to insure, as much as $407 a month if full coverage is included
• Increasing physical damage deductibles can save around $425 each year
• Drivers who have several accidents or serious violations may pay on average $1,480 more every year to insure their HR-V
• Consumers who may need more liability coverage will pay about $500 annually to raise from a low limit to 250/500 limits

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.