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 $1,296 a year for full coverage. Comprehensive insurance costs an estimated $238 a year, collision insurance costs $458, and liability insurance is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs $2,818 or more. 16-year-old drivers pay the most at up to $4,988 a year.

Average premium for full coverage: $1,296

Premium estimates broken down by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than congested cities. The diagram below illustrates how your location can change insurance prices.

These rate differences show why it is important to compare rates quotes for a targeted area and risk profile, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $749
• Raising to $1,000 deductibles will save approximately $1,136 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,296
• Buying low $100 deductibles will cost an extra $306 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,818
• An auto insurance policy for full coverage for a teen driver can cost as much as $4,988

View Chart as Image

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

Older drivers with a clean driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $4,900 a year. View Rates by Age

Where you choose to live also has a big influence on Honda HR-V insurance rates. A middle-age driver might find prices as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $470 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 138% more than the average rate. View High Risk Driver Rates

How to Find Affordable Honda HR-V Insurance

Finding better rates on Honda HR-V insurance consists of avoiding accidents and violations, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every time your policy renews by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a brief review of the information illustrated above.

• Drivers can save approximately $160 per year just by quoting early and online
• Teenagers are charged the highest prices, as much as $416 per month for full coverage
• Increasing policy deductibles can save around $475 each year
• High-risk drivers with DUI or reckless driving convictions pay an average of $1,520 more annually for car insurance
• Drivers who want higher liability limits will pay around $490 each year to raise from 30/60 bodily injury limits to 250/500 limits

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.