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.

Average insurance rates for a Honda HR-V are $1,262 a year for full coverage. Comprehensive insurance costs around $228 a year, collision insurance costs $424, and liability is $452. A policy with just liability insurance costs around $504 a year, and coverage for high-risk drivers costs $2,742 or more. 16-year-old drivers receive the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Rate estimates for individual coverage type:

Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

These examples show why it is important to compare rates 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.

More Rate Details

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

• The best full coverage rate is $735
• Raising to $1,000 deductibles will save about $1,116 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,262
• Buying low $100 deductibles will cost an extra $288 every year
• At-risk drivers with multiple tickets or accidents could pay at least $2,742
• The cost for full coverage for a teen driver can be $4,884

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on your driver profile, the trim level of your HR-V, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

Where you live also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates as low as $830 a year in states like Idaho, Maine, and Iowa, or at least $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $440 every year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates

How to Find the Cheapest Honda HR-V Insurance

Saving money on car insurance consists of being safe and accident-free, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to shop around at least every other year by quoting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

Below you'll find a recap of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers that have major violations or accidents may be required to pay an average of $1,480 more every year than a low-risk driver
• Drivers can save up to $150 per year just by quoting early and online
• Increasing deductibles can save around $425 each year
• Policyholders who may need more liability protection will pay around $500 each year to raise from a minimum limit to 250/500 limits

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.