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 $1,312 a year for full coverage insurance. Comprehensive insurance costs around $250, collision costs $474, and liability coverage costs around $430. A liability-only policy costs as low as $486 a year, with high-risk insurance costing $2,850 or more. 16-year-old drivers receive the highest rates at $5,012 a year or more.

Average premium for full coverage: $1,312

Rate estimates for individual coverage type:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than congested cities.

The example below illustrates how location impacts auto insurance rates.

These examples illustrate why everyone should compare prices for a specific zip code and risk profile, rather than using rate averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Honda HR-V insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $759
• Using higher $1,000 deductibles will save about $164 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,312
• Buying pricier low deductibles for physical damage coverage will cost an extra $322 each year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,850 or more
• The cost for full coverage for a teenage driver for full coverage can be $5,012 or more

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $5,000 a year. View Rates by Age

Where you live has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $490 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,600 to $2,200 extra per year, depending on your age. Honda HR-V insurance for high-risk drivers can be around 44% to 136% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

How to Find the Best Honda HR-V Insurance

Saving money on auto insurance requires being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around every other policy renewal by getting quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a brief recap of the ideas that were touched on above.

• Youthful drivers pay higher rates, costing up to $418 per month for full coverage
• Drivers who tend to receive serious violations may pay on average $1,540 more every year than a low-risk driver
• Increasing deductibles can save around $475 each year
• It is possible to save up to $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.