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 prices for a Honda HR-V are $1,296 every 12 months including full coverage. Comprehensive costs approximately $238 a year, collision insurance costs $458, and liability costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs around $2,818. Teenage drivers pay the most at up to $4,988 a year.

Average premium for full coverage: $1,296

Premium estimates by type of coverage:

Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

These rate differences highlight why it is important to compare prices using their specific location and their own driving history, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $749
• Using higher $1,000 deductibles will save $1,136 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,296
• Using low $100 deductibles for physical damage coverage increases the price to $1,602
• Drivers who are prone to accidents and violations could pay around $2,818
• An auto insurance policy to insure a teen driver can cost $4,988 or more

View Chart as Image

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

Using high physical damage deductibles could cut prices by as much as $470 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 138% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see prices as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for the Right Honda HR-V Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Invest the time to shop around at least every other year by getting quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a quick rundown of the car insurance concepts illustrated above.

• Higher risk drivers with reckless driving or DUI convictions could be charged and average of $1,520 more per year for auto insurance
• You may be able to save around $160 per year just by quoting early and online
• Increasing policy deductibles could save as much as $475 each year
• Policyholders who purchase higher levels of liability will pay an extra $490 per year to increase from 30/60 bodily injury limits to a 250/500 level

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.