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 prices for a Honda HR-V are $1,296 every 12 months including full coverage. Comprehensive insurance costs approximately $238 a year, collision costs $458, and liability is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing $2,818 or more. Teen drivers cost the most to insure at $4,988 a year or more.

Average premium for full coverage: $1,296

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference location can make on auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location and their own driving history, instead of using price averages.

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

Additional Rate Information

The chart below breaks down estimated Honda HR-V insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $749
• Raising to $1,000 deductibles will save $1,136 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,296
• Choosing low $100 deductibles costs an extra $306 every year
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,818 or more
• Policy cost to insure a teen driver can cost $4,988

View Chart as Image

Car insurance rates for a Honda HR-V also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your HR-V.

Choosing high deductibles can reduce rates by up to $470 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 138% more than average. View High Risk Driver Rates

Your home state also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes will be varied.

How to Shop for Affordable Honda HR-V Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Make time to compare rates at least every other year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a brief review of the car insurance concepts touched on in this article.

• Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,520 more per year for auto insurance
• You may be able to save around $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Policyholders who purchase higher levels of liability will pay about $490 per year to raise from a 30/60 limit to a 250/500 level

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.