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: Apr 15, 2024

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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 with full coverage. Comprehensive costs on average $238 each year, collision insurance costs $458, and liability costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs around $2,818. 16-year-old 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

Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and HR-V models.

Price Range by Coverage and Risk

For an average driver, prices range range from the low end price of $496 for just liability coverage to a high rate of $2,818 for a driver required to buy high-risk insurance.

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

Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas tend to have lower incidents of collision claims than congested cities. The graphic below illustrates the effect of geographic area on car insurance rates.

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

These examples demonstrate why all drivers should compare rates based on a specific location, instead of making a decision based on rate 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.

Detailed Rate Analysis

The chart below details average Honda HR-V insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $749
  • Drivers who choose higher $1,000 deductibles will pay around $160 annually
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,296
  • Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,602
  • Drivers with multiple tickets or accidents could pay upwards of $2,818
  • The cost that insures a 16-year-old driver may cost $4,988 a year

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

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

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 138% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age

Where you live makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,750 on average in Florida, Michigan, and New York.

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

Opting for high physical damage deductibles could save up to $470 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Honda HR-V Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Honda HR-V $294 $532 $372 $1,356
2023 Honda HR-V $280 $512 $390 $1,340
2022 Honda HR-V $270 $506 $398 $1,332
2021 Honda HR-V $260 $494 $416 $1,328
2020 Honda HR-V $250 $474 $430 $1,312
2019 Honda HR-V $238 $458 $442 $1,296
2018 Honda HR-V $228 $424 $452 $1,262
2017 Honda HR-V $218 $400 $456 $1,232
2016 Honda HR-V $210 $358 $460 $1,186

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 the Best Honda HR-V Insurance

Saving money on insurance for a Honda HR-V not only requires being a safe and courteous driver, but also maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Comparison shop at every policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a brief recap of the data covered in the above illustrations.

  • Insureds who require higher levels of liability will pay around $490 every year to go from a minimum limit to the 250/500 level
  • You may be able to save as much as $160 per year just by quoting online in advance
  • Increasing deductibles can save approximately $475 each year
  • Teenage drivers are charged the highest rates, with premiums as much as $416 per month if the policy includes full coverage

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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