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 auto insurance rates for a Honda HR-V are $1,296 annually including full coverage. Comprehensive insurance costs on average $238, collision insurance costs $458, and liability insurance costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs $2,818 or more. Teen drivers receive the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Rate estimates by individual coverage type:

These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how where you live affects car insurance rates.

These examples highlight why everyone should compare rates based on a specific location and their own personal driving habits, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $749
• Drivers who choose higher $1,000 deductibles will pay around $160 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,296
• Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $306 a year
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,818
• The cost with full coverage for a teen driver for full coverage may cost $4,988 a year

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on the trim level of your HR-V, your driving characteristics, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. Honda HR-V insurance for high-risk drivers can cost anywhere from 44% to 138% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $470 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Honda HR-V insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy Cheap Honda HR-V Insurance

Saving money on Honda HR-V insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop at every other renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief summary of the concepts that were touched on in the above illustrations.

• High-risk drivers that tend to have accidents or serious violations pay on average $1,520 more each year for HR-V insurance
• Teens are charged the highest rates, as much as $416 per month if full coverage is included
• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $475 each year
• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date

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.