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

Average premium for full coverage: $1,296

Rate estimates for individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance rates.

These examples illustrate why everyone should get quotes for a specific zip code, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $749
• Choosing higher $1,000 deductibles can save about $160 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,296
• Selecting pricier low deductibles for comp and collision coverage will cost an additional $306 every year
• Unlucky drivers with serious driving violations could pay at least $2,818
• The cost that insures a teen driver for full coverage can be $4,988 each year

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on the model of your HR-V, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,600 to $2,200 additional per year, depending on your age. Honda HR-V insurance for high-risk drivers ranges as much as 44% to 138% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,900 a year. View Rates by Age

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 $850 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Honda HR-V Insurance

Saving money on car insurance takes avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a brief recap of the information raised in the charts and tables above.

• It is possible to save up to $160 per year just by quoting online well ahead of the renewal date
• Teenagers are charged the highest rates, costing up to $416 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $475 each year
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,520 more every year for car insurance
• Policyholders who may need higher liability limits will pay approximately $490 annually to raise limits from a minimum limit to the 250/500 level

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.