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 $1,296 a year including full coverage. Comprehensive costs around $238 a year, collision costs $458, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $2,818. 16-year-old drivers pay the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Price estimates for individual coverage:

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

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates how your location can change auto insurance rates.

The ranges above highlight why it is important to get quotes for a specific zip code and risk profile, instead of using rate averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Honda HR-V insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $749
• Choosing higher $1,000 deductibles can save about $1,136 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,296
• Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,602
• Unlucky drivers with multiple tickets or accidents could pay at least $2,818 or more
• The price for full coverage for a teen driver can be $4,988 each 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 deductibles and policy limits.

Older drivers with a good driving record and high deductibles may pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $4,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $470 every year, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 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 at least $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 138% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to get quotes and see which company has the best price. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different from one company to the next.

How to Find the Right Honda HR-V Insurance

Getting lower rates on car insurance takes being a safe and courteous driver, having good credit, being claim-free, and maximizing policy discounts. Invest the time to shop around every year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a quick rundown of the coverage data illustrated above.

• You may be able to save up to $160 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $475 each year
• Teenage drivers are expensive to insure, possibly costing $416 a month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,520 more every 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.