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 $1,296 a year for full coverage insurance. Comprehensive costs approximately $238 each year, collision costs $458, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $2,818. Teenage drivers receive the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Rate estimates by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance prices.

These examples illustrate why all drivers should compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $749
• Drivers who choose higher $1,000 deductibles will pay $160 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,296
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,602
• Drivers who are prone to accidents and violations could pay around $2,818 or more
• The cost for full coverage for a 16-year-old driver can cost $4,988 a year

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age

Where you live makes a big difference in Honda HR-V insurance prices. A 40-year-old driver 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

Using high physical damage deductibles could save up to $470 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 138% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

How to Find the Best Cheap Honda HR-V Insurance

Saving money on insurance for a Honda HR-V not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop once a year by requesting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following items are a quick review of the data that was touched on in the above illustrations.

• It is possible to save around $160 per year simply by quoting online in advance
• Insureds who purchase additional liability coverage will pay an extra $490 annually to go from a minimum limit to 250/500 limits
• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $416 per month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,520 more per year than a driver with a clean driving record

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.