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 with full coverage. Comprehensive costs an estimated $238 a year, collision costs $458, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $2,818. Teens receive the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Rate estimates broken down by individual coverage type:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than cities with more traffic congestion.

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

These examples demonstrate why it is important to compare rates for a targeted area, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Honda HR-V insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $749
• Drivers who choose higher $1,000 deductibles will pay approximately $1,136 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,296
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,602
• Drivers with serious driving violations could pay up to $2,818 or more
• The cost that insures a 16-year-old driver can cost as much as $4,988 a year

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on the trim level of your HR-V, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 44% to 138% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $4,900 a year. View Rates by Age

Where you live makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $470 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out which company is cheapest is to get quotes from multiple companies. Every company calculates rates differently, and quoted rates can be significantly different.

How to Find the Right Honda HR-V Insurance

Saving money on insurance for a Honda HR-V not only requires having a decent driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a quick rundown of the information covered above.

• You may be able to save approximately $160 per year simply by quoting early and online
• 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $416 per month if the policy includes full coverage
• Increasing deductibles can save approximately $475 each year
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,520 more annually than a driver with a clean driving record
• Insureds who want additional liability coverage will pay approximately $490 every year to go 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.