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 auto insurance rates for a Honda HR-V are $1,296 annually with full coverage. Comprehensive insurance costs around $238, collision costs $458, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing $2,818 or more. Teens pay the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Price estimates for individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. Areas with sparse population have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Honda HR-V insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $749
• Drivers who choose higher $1,000 deductibles will pay about $160 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $1,296
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $306 every year
• Higher-risk drivers with serious driving violations could pay at least $2,818 or more
• The price with full coverage for a teen driver with full coverage can be $4,988 a year

View Chart as Image

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

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost as much as 44% to 138% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $470 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out your exact price is to compare prices and see which company has the best price. Every company calculates prices differently, so the prices may be quite different between companies.

How to Buy Cheaper Honda HR-V Insurance

Getting lower rates on car insurance not only requires having a decent driving record, but also having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around at every other renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a condensed summary of the concepts that were illustrated above.

• Higher risk drivers with multiple at-fault accidents may pay on average $1,520 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers pay higher prices, costing up to $416 a month including comprehensive and collision insurance
• You may be able to save up to $160 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $475 each year
• You may be able to save up to $160 per year simply by shopping early and online

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.