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 insurance costs around $228 each year, collision insurance costs $424, and liability insurance is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs $2,742 or more. Teenage drivers pay the most at up to $4,884 a year.

Average premium for full coverage: $1,262

Premium estimates for type of coverage:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all states and HR-V models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

These rate differences show why all drivers should get quotes for a specific zip code and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below shows average Honda HR-V insurance rates for additional coverage choices and driver risks.

• The best discount rate is $735
• Choosing higher $1,000 deductibles can save about $146 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,262
• Using low deductibles for comp and collision coverage will cost an extra $288 a year
• High-risk insureds who are prone to accidents and violations could pay at least $2,742
• An auto insurance policy for full coverage for a teen driver can be $4,884 each year

View Chart as Image

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 deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles can save as much as $440 each year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Honda HR-V Insurance

Finding better rates on Honda HR-V insurance takes being a good driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following list is a summary of the coverage data raised in the charts and tables above.

• Drivers can save up to $150 per year just by quoting online in advance
• Increasing policy deductibles can save around $425 each year
• Drivers age 16 to 20 are charged the highest prices, as much as $407 per month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,480 more every year than a safer driver

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.