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 insurance rates for a Honda HR-V are $1,296 a year for full coverage. Comprehensive insurance costs around $238 each year, collision insurance costs $458, and liability is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs $2,818 or more. 16-year-old drivers pay the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Price estimates for individual coverage:

Includes $500 deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and HR-V models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

The ranges above show why all drivers should compare rates quotes for a specific zip code and risk profile, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $749
• Raising to $1,000 deductibles will save about $160 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,296
• Buying low deductibles will cost an extra $306 every year
• At-risk drivers with multiple tickets or accidents could pay at least $2,818
• The price for full coverage for a teen driver can be $4,988

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $470 every year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 138% more than the average rate. View High Risk Driver Rates

How to Find the Cheapest Honda HR-V Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around every time your policy renews by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following is a recap of the information raised in the charts and tables above.

• Drivers can save up to $160 per year just by quoting online in advance
• Teens are charged the highest prices, with premiums as much as $416 a month including comprehensive and collision insurance
• Increasing physical damage deductibles can save around $475 each year
• Higher risk drivers that have major violations or accidents may be required to pay an average of $1,520 more every year for HR-V insurance
• Policyholders who may need higher liability limits will pay around $490 each year to raise from a low limit 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.