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.

Estimated insurance rates for a Honda HR-V are $1,296 a year for full coverage. Comprehensive insurance costs an estimated $238, collision insurance costs $458, and liability insurance is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs $2,818 or more. Teenage drivers pay the most at up to $4,988 a year.

Average premium for full coverage: $1,296

Premium estimates broken down by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all HR-V models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The example below illustrates how location impacts insurance prices.

These rate differences show why everyone should compare rates quotes for a targeted area, rather than relying on average rates.

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

Additional Rate Details

The chart below shows average Honda HR-V insurance rates for other coverage scenarios.

• The best discount rate is $749
• Raising to $1,000 deductibles will save approximately $160 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,296
• Using pricier low deductibles will cost an additional $306 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,818
• An auto insurance policy that insures a teen driver for full coverage can cost as much as $4,988

View Chart as Image

Insurance prices for a Honda HR-V also have a wide range based on the model of your HR-V, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,600 to $2,200 additional annually, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost anywhere from 44% to 138% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

Where you choose to live also has a big influence on Honda HR-V insurance rates. A middle-age driver might find prices as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $470 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Honda HR-V Insurance

Finding better rates on Honda HR-V insurance consists of having a decent driving record, having a good credit score, not filing small claims, and possibly raising deductibles. Compare prices every other policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a brief review of the ideas that were touched on above.

• 16 to 18-year-old drivers are expensive to insure, as much as $416 per month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,520 more annually than a driver with a clean driving record
• Increasing policy deductibles can save approximately $475 each year
• Drivers can save approximately $160 per year just 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.