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 for full coverage. Comprehensive costs approximately $238, collision costs $458, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing around $2,818. Teenage drivers cost the most to insure at $4,988 a year or more.

Average premium for full coverage: $1,296

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why everyone should compare rates quotes using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below shows estimated Honda HR-V insurance rates for additional coverage and risk scenarios.

• The best discount rate is $749
• Raising to $1,000 deductibles will save $160 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,296
• Using pricier low deductibles increases the price to $1,602
• Drivers who are prone to accidents and violations could pay around $2,818 or more
• Policy cost to insure a 16-year-old driver for full coverage can cost $4,988

View Chart as Image

Auto insurance rates for a Honda HR-V also range considerably based on liability limits and deductibles, your driver profile, and the model of your HR-V.

Using high physical damage deductibles can reduce rates by up to $470 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low 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 will have to pay in the ballpark of $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 could be paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost from 44% to 138% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.

How to Shop for Affordable Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a brief review of the coverage data covered above.

• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Youthful drivers have the highest car insurance rates, costing up to $416 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,520 more per year than a low-risk driver

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.