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.

U.S. average insurance rates for a Honda HR-V are $1,296 a year with full coverage. Comprehensive costs an estimated $238 each year, collision insurance costs $458, and liability coverage is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs around $2,818. Teenage drivers pay the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Price estimates broken down by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why all drivers should compare rates quotes for a targeted area, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $749
• Raising to $1,000 deductibles will save approximately $160 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,296
• Using low deductibles bumps up the cost to $1,602
• Unlucky drivers who are prone to accidents and violations could pay up to $2,818
• The price that insures a teenage driver can cost as much as $4,988

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 138% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age

The state you live in also has a big influence on Honda HR-V insurance rates. A middle-age driver might find prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $470 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

How to Find Affordable Honda HR-V Insurance

Getting lower rates on auto insurance consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices every year by requesting rates from direct companies, and also from insurance agencies where you live.

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

• You may be able to save approximately $160 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $475 each year
• Youthful drivers are charged the highest prices, costing up to $416 a month if full coverage is included
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,520 more annually 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.