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.

U.S. average insurance prices for a Honda HR-V are $1,296 every 12 months for full coverage insurance. Comprehensive costs around $238 each year, collision insurance costs $458, and liability insurance is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs around $2,818. Teens pay the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Price estimates for individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and HR-V models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above illustrate why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $749
• Raising to $1,000 deductibles will save about $160 each year
• The average price for the average middle-age driver using $500 deductibles is $1,296
• Selecting low deductibles increases the price to $1,602
• Higher-risk drivers with serious driving violations could pay at least $2,818
• The price to insure a teen driver can be $4,988

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $470 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 138% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Honda HR-V insurance rates. A middle-age driver might find prices 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

How to Shop for More Affordable Honda HR-V Insurance

Getting lower rates on Honda HR-V insurance consists of having a decent driving record, having good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a summary of the data that was covered above.

• It is possible to save up to $160 per year just by quoting online in advance
• Drivers who may need additional liability coverage will pay approximately $490 annually to raise from a low limit to a 250/500 level
• 16 to 18-year-old drivers pay higher prices, as much as $416 a month if they have full coverage
• High-risk drivers who have multiple accidents or major violations may pay on average $1,520 more every year than a driver with a clean driving record

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.