Honda HR-V Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Nov 23, 2019

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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 for full coverage insurance. Comprehensive costs approximately $238 each year, collision insurance costs $458, and liability is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs around $2,818. Teen drivers receive the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Rate estimates by individual coverage type:

Comprehensive $238
Collision $458
Liability $442

Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and HR-V models.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from as low as $496 for liability-only coverage to a high rate of $2,818 for a driver who requires high-risk insurance.

Liability Only $496
Full Coverage $1,296
High Risk $2,818

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $972
Small Cities $1,361
Large Cities $1,750

These examples illustrate why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

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

  • The lowest rate with discounts is $749
  • Raising to $1,000 deductibles will save $160 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,296
  • Choosing low deductibles will increase the cost to $1,602
  • Drivers with multiple violations and an at-fault accident could pay around $2,818
  • The cost for full coverage for a 16-year-old driver can cost $4,988

View Chart as Image

Honda HR-V insurance cost comparison chart
Column chart showing Honda HR-V insurance rates range from $749 to $4,988 for full coverage

Car insurance rates for a Honda HR-V can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $4,900 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 $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.

Honda HR-V Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,172 -$124 -9.6%
Alaska $994 -$302 -23.3%
Arizona $1,076 -$220 -17.0%
Arkansas $1,296 -$0 0.0%
California $1,476 $180 13.9%
Colorado $1,236 -$60 -4.6%
Connecticut $1,332 $36 2.8%
Delaware $1,466 $170 13.1%
Florida $1,620 $324 25.0%
Georgia $1,196 -$100 -7.7%
Hawaii $930 -$366 -28.2%
Idaho $876 -$420 -32.4%
Illinois $964 -$332 -25.6%
Indiana $974 -$322 -24.8%
Iowa $872 -$424 -32.7%
Kansas $1,232 -$64 -4.9%
Kentucky $1,768 $472 36.4%
Louisiana $1,920 $624 48.1%
Maine $798 -$498 -38.4%
Maryland $1,070 -$226 -17.4%
Massachusetts $1,038 -$258 -19.9%
Michigan $2,250 $954 73.6%
Minnesota $1,082 -$214 -16.5%
Mississippi $1,552 $256 19.8%
Missouri $1,148 -$148 -11.4%
Montana $1,392 $96 7.4%
Nebraska $1,020 -$276 -21.3%
Nevada $1,552 $256 19.8%
New Hampshire $932 -$364 -28.1%
New Jersey $1,448 $152 11.7%
New Mexico $1,148 -$148 -11.4%
New York $1,366 $70 5.4%
North Carolina $746 -$550 -42.4%
North Dakota $1,060 -$236 -18.2%
Ohio $896 -$400 -30.9%
Oklahoma $1,332 $36 2.8%
Oregon $1,188 -$108 -8.3%
Pennsylvania $1,236 -$60 -4.6%
Rhode Island $1,728 $432 33.3%
South Carolina $1,172 -$124 -9.6%
South Dakota $1,094 -$202 -15.6%
Tennessee $1,136 -$160 -12.3%
Texas $1,562 $266 20.5%
Utah $960 -$336 -25.9%
Vermont $886 -$410 -31.6%
Virginia $776 -$520 -40.1%
Washington $1,004 -$292 -22.5%
West Virginia $1,188 -$108 -8.3%
Wisconsin $896 -$400 -30.9%
Wyoming $1,156 -$140 -10.8%

View Chart as Image

Honda HR-V insurance rates by U.S. city

Choosing high deductibles can reduce rates by up to $470 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 138% more than average. View High Risk Driver Rates

Honda HR-V Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Honda HR-V $238 $458 $442 $1,296
2017 Honda HR-V $228 $424 $452 $1,262
2016 Honda HR-V $218 $400 $456 $1,232

Rates are averaged for all Honda HR-V models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find More Affordable Honda HR-V Insurance

Saving money on insurance for a Honda HR-V consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to compare rates at every other renewal by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The next list is a summary of the concepts that were covered above.

  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,520 more per year to buy Honda HR-V insurance
  • Drivers age 20 and younger pay the highest auto insurance rates, costing up to $416 per month if full coverage is included
  • It is possible to save around $160 per year just by quoting online in advance
  • Increasing deductibles can save around $475 each year
  • It is possible to save around $160 per year just by quoting online in advance

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.

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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:

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.

Rates by Driver Age

Honda HR-V Insurance Rates by Driver Age
Driver Age Premium
16 $4,988
20 $3,010
30 $1,342
40 $1,296
50 $1,186
60 $1,162

Full coverage, $500 deductibles

Rates by Deductible

Honda HR-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,602
$250 $1,460
$500 $1,296
$1,000 $1,136

Full coverage, driver age 40

Rates by Liability Limit

Honda HR-V Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,296
50/100 $1,384
100/300 $1,495
250/500 $1,782
100 CSL $1,429
300 CSL $1,672
500 CSL $1,849

Full coverage, driver age 40

Rates for High Risk Drivers

Honda HR-V Insurance Rates for High Risk Drivers
Age Premium
16 $7,096
20 $4,802
30 $2,868
40 $2,818
50 $2,692
60 $2,668

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $183

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $93
5-yr Claim Free $84
Paid in Full/EFT $57
Advance Quote $64
Online Quote $91
Total Discounts $547
Rate after discounts $749

Discounts are estimated and may not be available from every company or in every state.

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