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 insurance rates for a Honda HR-V are $1,312 a year for full coverage insurance. Comprehensive costs on average $250, collision costs $474, and liability insurance is $430. Liability-only coverage costs around $486 a year, with high-risk coverage costing around $2,850. Teenage drivers pay the highest rates at $5,012 a year or more.

Average premium for full coverage: $1,312

Price estimates by individual coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all HR-V models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities.

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

The ranges above illustrate why everyone should compare rates quotes based on a specific location and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $759
• Raising to $1,000 deductibles will save around $164 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,312
• Using pricier low deductibles will increase the cost to $1,634
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,850 or more
• The price for full coverage for a teen driver for full coverage may cost $5,012

View Chart as Image

Auto insurance prices for a Honda HR-V are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $5,000 a year. View Rates by Age

The state you live in also has a big influence on Honda HR-V insurance rates. A middle-age driver might find prices as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $490 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $387 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.

How to Find the Right Honda HR-V Insurance

Getting lower rates on Honda HR-V insurance consists of avoiding accidents and claims, having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates at least once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a quick rundown of the primary concepts that were covered in the above illustrations.

• It is possible to save as much as $160 per year simply by quoting online well ahead of the renewal date
• High-risk drivers with reckless driving or DUI convictions pay an average of $1,540 more each year to insure a Honda HR-V
• Increasing physical damage deductibles can save around $475 each year
• Drivers under the age of 20 are charged the highest prices, as much as $418 a month if they have 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.