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 $1,296 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:

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

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.

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.

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

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.

View Chart as Image

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

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.

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.