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.

Estimated insurance rates for a Honda HR-V are $1,262 a year for full coverage. Comprehensive costs an estimated $228, collision insurance costs $424, and liability coverage is $452. A liability-only policy costs around $504 a year, and high-risk insurance costs around $2,742. Teenage drivers pay the most at up to $4,884 a year.

Average premium for full coverage: $1,262

Premium estimates broken down by type of coverage:

Rates are based on $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how geographic area affects insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than using average rates.

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

Additional Rate Analysis

The chart below shows average Honda HR-V insurance rates for other coverage scenarios.

• The best discount rate is $735
• Raising to $1,000 deductibles will save approximately $146 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,262
• Using more expensive low deductibles will increase the cost to $1,550
• Unlucky drivers who are prone to accidents and violations could pay up to $2,742
• An auto insurance policy for full coverage for a teenage driver with full coverage can cost as much as $4,884

View Chart as Image

Auto insurance prices for a Honda HR-V also have a wide range based on your driving characteristics, the trim level of your HR-V, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $4,800 a year. View Rates by Age

Where you choose to live 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,800 on average in New York, Louisiana, and Michigan.

View Chart as Image

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

If you have a few violations or tend to cause accidents, you could be paying $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Honda HR-V Insurance

Finding better rates on auto insurance consists of being a safe and courteous driver, having good credit, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates every year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a quick review of the coverage data presented in the illustrations above.

• Drivers can save approximately $150 per year just by shopping early and online
• Increasing policy deductibles can save around $425 each year
• Teenage drivers are the costliest to insure, as much as $407 per month if they have full coverage
• Drivers with a DUI or reckless driving violation pay an average of $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.