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 rates for a Honda HR-V are $1,262 a year with full coverage. Comprehensive costs an estimated $228, collision insurance costs $424, and liability is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs around $2,742. Teen drivers cost the most to insure at up to $4,884 a year.

Average premium for full coverage: $1,262

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have lower incidents of collision claims than larger metro areas. The example below illustrates how your location can change insurance prices.

The examples above demonstrate why everyone should get quotes for a targeted area, instead of using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $735
• Choosing higher $1,000 deductibles can save approximately $146 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,262
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,550
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,742
• Policy cost that insures a teen driver for full coverage can cost as much as $4,884 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out $1,500 to $2,100 extra every year, depending on your age. Honda HR-V insurance for high-risk drivers ranges as much as 43% to 132% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,710 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $440 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Right Honda HR-V Insurance

Finding cheaper rates on car insurance takes being a good driver, having a positive credit history, not filing small claims, and possibly higher deductibles. Shop around at every policy renewal by getting rate quotes from direct companies, and also from insurance agencies where you live.

The following list is a quick rundown of the data illustrated above.

• Policyholders who want an increased level of liability coverage will pay about $500 every year to raise limits from a 30/60 limit to the 250/500 level
• You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Drivers age 16 to 20 have the highest car insurance rates, as much as $407 each month if full coverage is purchased

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.