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 including full coverage. Comprehensive costs an estimated $228, collision costs $424, and liability costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing around $2,742. Teenage drivers pay the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Price estimates broken down by individual coverage:

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Honda HR-V insurance rates for other coverage scenarios.

• The best discount rate is $735
• Drivers who choose higher $1,000 deductibles will pay approximately $146 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,262
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,550
• Drivers who are prone to accidents and violations could pay up to $2,742 or more
• The price for full coverage for a 16-year-old driver with full coverage can cost as much as $4,884 a year

View Chart as Image

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

An older driver with a good driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $4,800 a year. View Rates by Age

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 $970 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $440 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from multiple companies. Every company uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.

How to Find Low Cost Honda HR-V Insurance

Getting lower rates on insurance for a Honda HR-V not only requires being a safe and courteous driver, but also having good credit, being claim-free, and qualifying for all possible discounts. Invest time comparing rates every year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a review of the coverage data covered in the charts and tables above.

• You may be able to save approximately $150 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $425 each year
• Teenage drivers are the costliest to insure, possibly costing $407 a month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations may 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.