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 $1,312 a year including full coverage. Comprehensive insurance costs around $250, collision costs $474, and liability costs around $430. Buying just liability costs as low as $486 a year, with insurance for high-risk drivers costing $2,850 or more. Teenage drivers receive the highest rates at $5,012 a year or more.

Average premium for full coverage: $1,312

Rate estimates for individual coverage type:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare prices for a specific zip code, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $759
• Using higher $1,000 deductibles will save about $164 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,312
• Using more expensive low deductibles for physical damage coverage will cost an additional $322 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,850 or more
• The cost that insures a 16-year-old driver with full coverage can be $5,012 or more

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance can be from 44% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,000 a year. View Rates by Age

Where you live has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,870 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $490 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $387 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.

How to Find Cheaper Honda HR-V Insurance

Saving money on insurance for a Honda HR-V requires having a good driving record, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare prices once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a condensed summary of the data that was presented in the illustrations above.

• You may be able to save up to $160 per year simply by shopping early and online
• Insureds who may need increased levels of liability coverage will pay an extra $470 per year to increase from a minimum limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, as much as $418 per month if the policy includes full coverage
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,540 more every year to buy Honda HR-V 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.