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 auto insurance rates for a Honda HR-V are $1,312 annually with full coverage. Comprehensive costs on average $250, collision insurance costs $474, and liability is $430. A policy with only liability insurance costs around $486 a year, and a high-risk policy costs around $2,850. 16-year-old drivers pay the most at up to $5,012 a year.

Average premium for full coverage: $1,312

Premium estimates by type of coverage:

Full coverage includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. 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 can have significant affects on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than congested cities. The example below illustrates how geographic area affects car insurance rates.

These rate differences demonstrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of using rate averages.

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

More Rate Information

The chart below details average Honda HR-V insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $759
• Raising to $1,000 deductibles will save around $164 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,312
• Buying pricier low deductibles will cost $1,634
• At-risk drivers with multiple tickets or accidents could pay upwards of $2,850
• An auto insurance policy with full coverage for a teen driver for full coverage may cost $5,012

View Chart as Image

Car insurance prices for a Honda HR-V also have a wide range based on the model of your HR-V, your driving record, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 extra annually, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost as much as 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $490 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Honda HR-V insurance prices. A middle-age driver might find prices as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy More Affordable Honda HR-V Insurance

Finding better rates on car insurance consists of being a safe and courteous driver, having a good credit score, being claim-free, and possibly raising deductibles. Invest the time to compare rates at every other renewal by requesting quotes from direct companies, and also from local independent and exclusive agents.

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

• Higher risk drivers who have multiple accidents or major violations pay an average of $1,540 more each year for auto insurance
• Teenage drivers are expensive to insure, possibly costing $418 per month if comprehensive and collision insurance is included
• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $475 each year
• You may be able to save as much as $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.