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 with full coverage. Comprehensive costs around $238, collision costs $458, and liability costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing around $2,818. Teen drivers pay the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Price estimates for individual coverage:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all HR-V models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas.

The example below illustrates how location helps determine auto insurance rates.

The ranges above demonstrate why everyone should compare rates for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $749
• Drivers who choose higher $1,000 deductibles will pay about $160 annually
• The average price for the average middle-age driver using $500 deductibles is $1,296
• Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,602
• Drivers with multiple violations and an at-fault accident could pay at least $2,818 or more
• The price to insure a 16-year-old driver for full coverage can be $4,988 a year

View Chart as Image

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

Choosing high deductibles could save up to $470 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 in extra premium each year, depending on your age. Honda HR-V insurance for high-risk drivers can cost from 44% to 138% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay 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

Since prices can be so different, the best way to find out your exact price is to regularly compare prices from multiple companies. Every company uses a different rate calculation, and quoted prices may be quite different.

How to Shop for the Right Honda HR-V Insurance

Getting lower rates on insurance for a Honda HR-V not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every other policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a quick rundown of the ideas that were covered in the charts and tables above.

• 16 to 18-year-old drivers are expensive to insure, costing up to $416 a month if comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,520 more every year than a driver with a clean driving record
• Increasing physical damage deductibles could save as much as $475 each year
• You may be able 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.