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.

Estimated insurance rates for a Honda HR-V are $1,296 a year for full coverage insurance. Comprehensive insurance costs an estimated $238, collision costs $458, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing $2,818 or more. Teens pay the most at $4,988 a year or more.

Average premium for full coverage: $1,296

Premium estimates broken down by type of coverage:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all HR-V models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

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

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

These rate differences illustrate why everyone should compare rates quotes for a targeted area 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 other coverage scenarios.

• The cheapest rate after discounts is $749
• Raising to $1,000 deductibles will save approximately $160 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,296
• Selecting pricier low deductibles will cost an extra $306 annually
• Drivers with serious driving violations could pay up to $2,818 or more
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost as much as $4,988

View Chart as Image

Insurance prices for a Honda HR-V also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

A more mature driver 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. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Where you choose to live also has a big influence on Honda HR-V insurance prices. A middle-age driver might find prices 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 prices by up to $470 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,600 to $2,200 additional annually, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost from 44% to 138% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices from multiple companies. Every auto insurance company calculates prices differently, and prices will be substantially different from one company to the next.

How to Find the Best Honda HR-V Insurance

Finding better rates on insurance for a Honda HR-V consists of being a good driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief recap of the ideas that were covered above.

• Drivers age 16 to 20 are expensive to insure, with premiums being up to $416 per month including comprehensive and collision insurance
• Drivers considered higher risk who tend to receive serious violations pay on average $1,520 more annually than a safer driver
• Increasing policy deductibles can save around $475 each year
• It is possible to save approximately $160 per year simply by quoting online well ahead of the renewal date

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.