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 prices for a Honda HR-V are $1,312 every 12 months for full coverage. Comprehensive insurance costs an estimated $250 each year, collision costs $474, and liability coverage is $430. A policy with just liability insurance costs around $486 a year, with coverage for high-risk drivers costing $2,850 or more. Teen drivers receive the highest rates at $5,012 a year or more.

Average premium for full coverage: $1,312

Rate estimates broken down by individual coverage type:

Estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas.

The graphic below illustrates how geographic area affects insurance prices.

These examples show why all drivers should compare rates quotes for a targeted area and their own driving history, rather than using price averages.

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 other coverage scenarios.

• The lowest rate with discounts is $759
• Raising to $1,000 deductibles will save approximately $164 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,312
• Choosing low deductibles costs an extra $322 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,850 or more
• The cost to insure a teenage driver can cost as much as $5,012

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Choosing high deductibles can reduce rates by up to $490 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $387 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 136% more than average. View High Risk Driver Rates

Where you live also has a big influence on Honda HR-V insurance rates. A middle-age driver might find rates as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,870 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, and rates can be significantly different.

How to Shop for Low Cost Honda HR-V Insurance

Saving money on auto insurance consists of being safe and accident-free, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a review of the material that was presented in the illustrations above.

• Consumers who want more liability protection will pay about $470 each year to raise from a minimum limit to a 250/500 level
• Youthful drivers are expensive to insure, costing as high as $418 per month if full coverage is included
• Drivers who have several accidents or serious violations pay on average $1,540 more annually than a low-risk driver
• Increasing deductibles could save as much as $475 each year

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.