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 prices for a Honda HR-V are $1,296 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $238, collision costs $458, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing $2,818 or more. Teenage drivers pay the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Price estimates broken down by individual coverage:

Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how your location can change insurance prices.

The ranges above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of using average rates.

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

More Rate Details

The chart below illustrates estimated Honda HR-V insurance rates for other coverage scenarios.

• The best discount rate is $749
• Choosing higher $1,000 deductibles can save approximately $160 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,296
• Using more expensive low deductibles for comp and collision coverage costs an extra $306 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,818 or more
• The price to insure a teen driver with full coverage can cost as much as $4,988 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $470 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance ranges as much as 44% to 138% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different.

How to Shop for More Affordable Honda HR-V Insurance

Getting lower rates on car insurance takes being a safe and courteous driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to shop around at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a summary of the car insurance concepts illustrated above.

• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,520 more annually for auto insurance
• It is possible to save approximately $160 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $475 each year
• Policyholders who want higher levels of liability will pay an extra $490 annually to raise limits from a low limit to a 250/500 level

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.