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 $1,296 a year including full coverage. Comprehensive insurance costs an estimated $238, collision insurance costs $458, and liability coverage costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs $2,818 or more. Teen drivers receive the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Rate estimates broken down by individual coverage type:

Includes $500 deductible amounts, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how your location can change insurance prices.

These examples highlight why everyone should compare prices for a targeted area and risk profile, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $749
• Using higher $1,000 deductibles will save approximately $160 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,296
• Choosing pricier low deductibles for physical damage coverage will cost an extra $306 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,818
• The cost for full coverage for a teenage driver for full coverage can cost as much as $4,988 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Where you live has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see 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

Choosing high deductibles could cut rates by as much as $470 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,600 to $2,200 additional per year, depending on your age. Honda HR-V insurance for high-risk drivers can be around 44% to 138% more than average. View High Risk Driver Rates

How to Find the Cheapest Honda HR-V Insurance

Saving money on auto insurance requires having a good driving record, having a good credit history, not filing small claims, and possibly raising deductibles. Invest the time to shop around at least once a year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The next list is a recap of the primary concepts that were illustrated above.

• You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
• Drivers that have major violations or accidents may pay on average $1,520 more annually to buy Honda HR-V insurance
• Increasing deductibles can save around $475 each year
• Drivers age 20 and younger are expensive to insure, as much as $416 per month including comprehensive and collision 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.