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.

U.S. average auto insurance rates for a Honda HR-V are $1,262 annually for full coverage. Comprehensive insurance costs around $228, collision costs $424, and liability insurance is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance costing $2,742 or more. 16-year-old drivers pay the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Price estimates for individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all HR-V models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have fewer accident claims than congested cities.

The example below illustrates how location helps determine auto insurance rates.

The ranges above show why everyone should get quotes for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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

More Rate Details

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

• The best full coverage rate is $735
• Choosing higher $1,000 deductibles can save about $146 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,262
• Buying pricier low deductibles for comp and collision coverage costs an additional $288 a year
• High-risk insureds with multiple tickets or accidents could pay at least $2,742 or more
• The price with full coverage for a teen driver for full coverage can be $4,884 each year

View Chart as Image

Car insurance prices for a Honda HR-V are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,500 to $2,100 extra each year, depending on your age. Honda HR-V insurance for high-risk drivers ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $440 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in 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 at least $1,800 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know your exact price is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different between companies.

How to Buy More Affordable Honda HR-V Insurance

Getting lower rates on Honda HR-V insurance takes avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a summary of the concepts that were covered in the charts and tables above.

• High-risk drivers who have multiple accidents or major violations pay an average of $1,480 more every year for car insurance
• Teenagers are the costliest to insure, with premiums as much as $407 a month if comprehensive and collision insurance is included
• Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $425 each year
• Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date

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.