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 prices for a Honda HR-V are $1,312 every 12 months including full coverage. Comprehensive costs on average $250, collision insurance costs $474, and liability is $430. Liability-only insurance costs around $486 a year, and high-risk driver insurance 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:

These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 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 make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than congested cities. The example below illustrates how your location can change car insurance rates.

These rate differences highlight why everyone should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Analysis

The chart below breaks down 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 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,312
• Buying pricier low deductibles increases the price to $1,634
• Drivers with multiple tickets or accidents could pay upwards of $2,850
• An auto insurance policy to insure a 16-year-old driver for full coverage may cost $5,012

View Chart as Image

Insurance prices for a Honda HR-V also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your HR-V.

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

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,200 additional annually, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost from 44% to 136% more than the average rate. View High Risk Driver Rates

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 $1,010 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,870 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for Cheap Honda HR-V Insurance

Finding better rates on insurance for a Honda HR-V consists of being a safe and courteous driver, having above-average credit, refrain from filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around once a year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

Below is a brief summary of the data that was illustrated above.

• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Insureds who require higher levels of liability will pay around $470 per year to raise from 30/60 bodily injury limits to a 250/500 level
• Teenage drivers pay higher prices, with the cost nearing $418 per month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,540 more each year for auto insurance

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.