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. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing around $2,818. Teen drivers 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 are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical 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 a lower frequency of collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on insurance prices.

These examples demonstrate why it is important to compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $749
• Drivers who choose higher $1,000 deductibles will pay approximately $1,136 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,296
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,602
• Drivers with multiple violations and an at-fault accident could pay up to $2,818 or more
• The cost for full coverage for a 16-year-old driver can cost as much as $4,988 a year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared 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 as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $470 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

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

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 uses a different rate calculation, and rates can be significantly different from one company to the next.

How to Find Affordable Honda HR-V Insurance

Saving money on insurance for a Honda HR-V not only requires having a decent driving record, but also having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every couple of years by requesting rates from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a brief review of the material that was covered in the above illustrations.

• Insureds who want additional liability coverage will pay about $490 every year to go from a minimum limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $416 per month including comprehensive and collision insurance
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,520 more annually than a driver with a clean driving record
• Increasing deductibles can save around $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.