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 a year, collision costs $458, and liability coverage is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $2,818. Teens 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 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance prices.

These examples illustrate why it is important to get quotes using their specific location, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $749
• Choosing higher $1,000 deductibles can save $1,136 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,296
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,602
• Drivers with serious driving violations could pay around $2,818 or more
• The cost that insures a teenage driver can cost $4,988 each year

View Chart as Image

Car insurance rates for a Honda HR-V can also vary considerably based on the trim level of your HR-V, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 138% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each auto insurer calculates rates differently, so rate quotes can be significantly different.

How to Find the Best Cheap Honda HR-V Insurance

Saving money on auto insurance takes being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Compare rates at every other renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below is a quick review of the concepts that were presented in the illustrations above.

• Drivers with a DUI or reckless driving violation could be charged and average of $1,520 more per year for auto insurance
• Teenage drivers pay the highest auto insurance rates, costing up to $416 per month if full coverage is purchased
• It is possible to save around $160 per year simply by quoting early and online
• Increasing deductibles can save approximately $475 each year
• It is possible to save around $160 per year simply by quoting early and online

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.