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.

Estimated insurance rates for a Honda HR-V are $1,312 a year for full coverage insurance. Comprehensive costs an estimated $250, collision insurance costs $474, and liability coverage costs around $430. Liability-only coverage costs as low as $486 a year, and high-risk coverage costs around $2,850. Teen drivers pay the most at up to $5,012 a year.

Average premium for full coverage: $1,312

Premium estimates broken down by type of coverage:

Price estimates include $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all HR-V models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.

These rate differences illustrate why everyone should compare prices for a targeted area, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $759
• Using higher $1,000 deductibles will save approximately $164 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,312
• Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,634
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,850
• An auto insurance policy that insures a teenage driver for full coverage can cost as much as $5,012 or more

View Chart as Image

Insurance prices for a Honda HR-V also have a wide range based on the model of your HR-V, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,600 to $2,200 extra annually, depending on your age. Honda HR-V insurance for high-risk drivers can be around 44% to 136% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $490 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $387 more per year. View Rates by Deductible or Liability Limit

How to Find Cheaper Honda HR-V Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Shop around at every policy renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following is a condensed summary of the data raised in the charts and tables above.

• Consumers who want higher liability limits will pay about $470 annually to increase from 30/60 bodily injury limits to the 250/500 level
• It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $475 each year
• Teens are charged the highest prices, with premiums being up to $418 per month if full coverage is included

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.