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.

The average insurance rates for a Honda HR-V are $1,262 a year for full coverage. Comprehensive costs on average $228 a year, collision costs $424, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing around $2,742. Teens cost the most to insure at $4,884 a year or more.

Average premium for full coverage: $1,262

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above show why it is important to get quotes based on a specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

The chart below shows estimated 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 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,262
• Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,550
• High-risk insureds with serious driving violations could pay upwards of $2,742 or more
• Policy cost for full coverage for a teen driver may cost $4,884 each year

View Chart as Image

Car insurance rates for a Honda HR-V also range considerably based on your risk profile, the trim level of your HR-V, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda HR-V insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes will be varied from one company to the next.

How to Find Affordable Honda HR-V Insurance

Finding cheaper rates on Honda HR-V insurance takes being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

Below is a brief review of the data that was raised in the charts and tables above.

• Drivers can save as much as $150 per year simply by quoting early and online
• Drivers who require higher levels of liability will pay approximately $500 each year to raise limits from a 30/60 limit to 250/500 limits
• Teenage drivers are expensive to insure, costing up to $407 each month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions will pay on average $1,480 more each year 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.