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.

The average insurance prices for a Honda HR-V are $1,296 every 12 months with full coverage. Comprehensive insurance costs an estimated $238 a year, collision insurance costs $458, and liability insurance is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs $2,818 or more. Teens cost the most to insure at up to $4,988 a year.

Average premium for full coverage: $1,296

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $749
• Raising to $1,000 deductibles will save approximately $1,136 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,296
• Selecting low $100 deductibles costs an extra $306 a year
• Higher-risk drivers with serious driving violations could pay up to $2,818
• Policy cost to insure a teen driver can cost as much as $4,988

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $470 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 138% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Honda HR-V insurance rates. A middle-age driver might find rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for Affordable Honda HR-V Insurance

Finding cheaper rates on Honda HR-V insurance consists of avoiding accidents and violations, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at every other renewal by quoting rates from direct companies, and also from your local independent and exclusive agents.

The list below is a brief review of the concepts that were covered in the charts and tables above.

• High-risk drivers with DUI or reckless driving convictions may pay on average $1,520 more annually for car insurance
• Teenagers are charged the highest rates, as much as $416 each month if they have full coverage
• You may be able to save approximately $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• You may be able to save approximately $160 per year just 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.