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 prices for a Honda HR-V are $1,262 every 12 months including full coverage. Comprehensive insurance costs approximately $228 a year, collision insurance costs $424, and liability insurance costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs $2,742 or more. Teen drivers receive the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

These examples highlight why it is important to compare prices using their specific location and their own driving history, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save $1,116 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,262
• Choosing low $100 deductibles for physical damage coverage costs an extra $288 a year
• Drivers with multiple violations and an at-fault accident could pay around $2,742
• The cost to insure a teen driver can cost $4,884 or more

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your HR-V.

Choosing high deductibles could cut rates by as much as $440 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 132% more than average. View High Risk Driver Rates

Where you live has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for Low Cost Honda HR-V Insurance

Saving money on Honda HR-V insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and possibly higher deductibles. Spend time shopping around every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The points below are a review of the coverage data touched on above.

• You may be able to save around $150 per year just by quoting early and online
• Increasing deductibles could save as much as $425 each year
• Drivers under the age of 20 have the highest car insurance rates, as much as $407 per month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations could be charged and average of $1,480 more per year to insure a Honda HR-V

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.