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.

The average insurance rates for a Honda HR-V are $1,296 a year including full coverage. Comprehensive costs on average $238 a year, collision costs $458, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing around $2,818. Teenage drivers cost the most to insure at $4,988 a year or more.

Average premium for full coverage: $1,296

Policy rates by type of insurance:

Rates are based on $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how where you live affects car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Honda HR-V insurance rates for different risk profiles and scenarios.

• The best discount rate is $749
• Raising to $1,000 deductibles will save around $1,136 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,296
• Using low $100 deductibles bumps up the cost to $1,602
• Drivers who are prone to accidents and violations could pay upwards of $2,818 or more
• Policy cost that insures a 16-year-old driver may cost $4,988

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on the trim level of your HR-V, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 138% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,900 a year. View Rates by Age

Your home state also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $470 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, so the rates will be varied.

How to Find the Best Cheap Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Compare prices every time your policy renews by getting price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a quick review of the information touched on in the above illustrations.

• You may be able to save as much as $160 per year simply by quoting early and online
• Teens pay the highest rates, with premiums being up to $416 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,520 more each year for HR-V insurance
• Insureds who require higher liability limits will pay an extra $490 per year to raise from a 30/60 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.