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 $1,312 annually for full coverage. Comprehensive insurance costs approximately $250, collision costs $474, and liability costs $430. A policy with just liability insurance costs as little as $486 a year, with coverage for high-risk drivers costing $2,850 or more. Teens pay the highest rates at $5,012 a year or more.

Average premium for full coverage: $1,312

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural locations have fewer accident claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using averaged prices.

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 and risk scenarios.

• The cheapest rate after discounts is $759
• Drivers who choose higher $1,000 deductibles will pay $164 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,312
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $322 every year
• Higher-risk drivers with serious driving violations could pay around $2,850 or more
• The price with full coverage for a teen driver with full coverage can cost $5,012 a year

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost as much as 44% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $490 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,870 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Every company calculates prices differently, so the prices may be quite different between companies.

How to Buy Cheap Honda HR-V Insurance

Getting lower rates on car insurance not only requires being safe and accident-free, but also having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at least every other year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the car insurance concepts covered in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations pay on average $1,540 more per year than a low-risk driver
• Drivers can save around $160 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $475 each year
• Policyholders who purchase more liability protection will pay approximately $470 each year to go from a low limit to higher 250/500 limits

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.