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 prices for a Honda HR-V are $1,296 every 12 months with full coverage. Comprehensive insurance costs on average $238 a year, collision costs $458, and liability insurance is $442. A policy with just liability insurance costs around $496 a year, with coverage for high-risk drivers costing $2,818 or more. Teen drivers receive the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Rate estimates by individual coverage type:

Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas tend to have more infrequent collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on car insurance rates.

These examples demonstrate why it is important to compare rates quotes based on a specific location and their own driving history, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $749
• Raising to $1,000 deductibles will save around $1,136 annually
• The average price for a 40-year-old driver with $500 deductibles is $1,296
• Choosing low $100 deductibles costs an extra $306 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,818 or more
• The cost to insure a teen driver may cost $4,988

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your HR-V.

Choosing high deductibles can reduce rates by up to $470 each year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 138% more than average. View High Risk Driver Rates

Where you live also has a big influence on Honda HR-V insurance rates. A middle-age driver might find rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates can be significantly different.

How to Shop for the Best Honda HR-V Insurance

Saving money on Honda HR-V insurance consists of having a good driving record, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief recap of the coverage data covered in the above illustrations.

• You may be able to save as much as $160 per year simply by quoting early and online
• Increasing deductibles could save as much as $475 each year
• Drivers age 20 and younger pay higher rates, with premiums as much as $416 per month if full coverage is included
• High-risk drivers who tend to receive serious violations may pay on average $1,520 more each 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.