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 for full coverage. Comprehensive insurance costs an estimated $238 a year, collision costs $458, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $2,818 or more. 16-year-old drivers pay the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Price estimates broken down by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. More rural locations have fewer accident claims than congested cities.

The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above show why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $749
• Drivers who choose higher $1,000 deductibles will pay approximately $1,136 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,296
• Buying low $100 deductibles for comprehensive and collision insurance costs an additional $306 annually
• Drivers with multiple tickets or accidents could pay up to $2,818 or more
• The price with full coverage for a 16-year-old driver can cost as much as $4,988 a year

View Chart as Image

Car insurance prices for a Honda HR-V are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 138% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $470 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. 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 $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

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes from multiple companies. Every company utilizes a different rate formula, so rate quotes may be quite different between companies.

How to Buy the Best Honda HR-V Insurance

Getting lower rates on insurance for a Honda HR-V not only requires avoiding accidents and violations, but also having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to shop around every year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief recap of the coverage data raised in the charts and tables above.

• Drivers can save approximately $160 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $475 each year
• Teenagers have the highest car insurance prices, with premiums as much as $416 a month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,520 more annually for car insurance

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.