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 $1,296 every 12 months for full coverage insurance. Comprehensive costs approximately $238, collision costs $458, and liability costs around $442. A policy with just liability insurance costs as low 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 by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than larger metro areas.

The example below illustrates how your location can change auto insurance prices.

These examples illustrate why everyone should compare prices using their specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $749
• Using higher $1,000 deductibles will save $160 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,296
• Choosing pricier low deductibles for physical damage coverage increases the price to $1,602
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,818 or more
• The cost to insure a 16-year-old driver for full coverage can cost $4,988 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $470 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 additional per year, depending on your age. Honda HR-V insurance for high-risk drivers can be from 44% to 138% more than average. View High Risk Driver Rates

Where you live has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see rates as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates can be significantly different.

How to Shop for More Affordable Honda HR-V Insurance

Saving money on insurance for a Honda HR-V requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around every year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The items below are a summary of the coverage data illustrated above.

• It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $475 each year
• Teen drivers are the costliest to insure, costing up to $416 per month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,520 more per year to insure their HR-V

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.