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 auto insurance rates for a Honda HR-V are $1,296 annually with full coverage. Comprehensive insurance costs around $238, collision insurance costs $458, and liability is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $2,818 or more. Teenage drivers receive the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Rate estimates for individual coverage type:

Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $749
• Choosing higher $1,000 deductibles can save about $160 annually
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,296
• Using more expensive low deductibles for comp and collision coverage costs an additional $306 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,818
• The cost with full coverage for a teen driver with full coverage can be $4,988 each year

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on the trim level of your HR-V, your driving record, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,600 to $2,200 in extra premium per 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

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

Where you live plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy the Best Cheap Honda HR-V Insurance

Saving money on car insurance takes having a good driving record, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at least every other year by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a quick review of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,520 more every year to buy Honda HR-V insurance
• You may be able to save up to $160 per year just by shopping early and online
• Increasing deductibles could save up to $475 each year
• Policyholders who may need increased levels of liability coverage will pay an extra $490 every year to raise limits from a minimum limit to higher 250/500 limits

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.