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 for full coverage. Comprehensive insurance costs on average $238 each year, collision insurance costs $458, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs $2,818 or more. Teen drivers receive the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have fewer accident claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.

These examples show why all drivers should compare prices based on a specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $749
• Using higher $1,000 deductibles will save around $160 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,296
• Choosing low deductibles for physical damage coverage costs an additional $306 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,818
• The cost with full coverage for a teenage driver may cost $4,988 or more

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 driver profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can be around 44% to 138% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $470 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see rates as low as $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Best Honda HR-V Insurance

Saving money on auto insurance requires being a low-risk driver, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Take the time to compare rates every other policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The items below are a brief recap of the ideas that were covered in the above illustrations.

• Teen drivers are expensive to insure, costing as high as $416 per month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations may be required to pay an average of $1,520 more each year to insure their HR-V
• Increasing deductibles could save up to $475 each year
• Drivers can save as much as $160 per year just by quoting online in advance

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.