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 with full coverage. Comprehensive insurance costs on average $228 a year, collision insurance costs $424, and liability is estimated at $452. A policy with just liability insurance costs approximately $504 a year, and coverage for high-risk drivers costs $2,742 or more. Teens receive the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas tend to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts car insurance rates.

These examples demonstrate why it is important to get quotes based on a specific location and their own driving history, instead of using 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
• Choosing higher $1,000 deductibles can save around $1,116 annually
• The average price for a 40-year-old driver with $500 deductibles is $1,262
• Selecting low $100 deductibles for comp and collision coverage costs an extra $288 every year
• Unlucky drivers with serious driving violations could pay upwards of $2,742
• The cost to insure a teen driver may cost $4,884 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared 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 may be forking out at a minimum $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 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

How to Shop for More Affordable Honda HR-V Insurance

Saving money on car insurance takes being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a summary of the material that was touched on above.

• Policyholders who require more liability protection will pay approximately $500 every year to raise limits from a minimum limit to a 250/500 level
• Youthful drivers pay higher rates, with premiums as much as $407 per month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,480 more each year than a low-risk driver
• Increasing deductibles could save as much as $425 each year

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.