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.

The average insurance rates for a Honda HR-V are $1,296 a year for full coverage insurance. Comprehensive costs approximately $238 each year, collision costs $458, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $2,818. Teens cost the most to insure at $4,988 a year or more.

Average premium for full coverage: $1,296

Policy rates by type of insurance:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $749
• Raising to $1,000 deductibles will save $160 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,296
• Selecting low deductibles will increase the cost to $1,602
• Drivers with serious driving violations could pay around $2,818 or more
• Policy cost for full coverage for a 16-year-old driver can cost $4,988

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state 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 have to pay at least $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance 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 raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 138% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, and rates will be varied from one company to the next.

How to Find the Right Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V consists of being safe and accident-free, having a good credit history, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the coverage data covered above.

• It is possible to save around $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $475 each year
• Youthful drivers are the costliest to insure, possibly costing $416 each month including comprehensive and collision insurance
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,520 more per year than a low-risk driver

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.