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.

Average insurance rates for a Honda HR-V are $1,296 a year for full coverage. Comprehensive insurance costs approximately $238, collision insurance costs $458, and liability costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs $2,818 or more. Teenage drivers receive the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Rural locations tend to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance prices.

These examples show why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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 additional coverage and risk scenarios.

• The best discount rate is $749
• Drivers who choose higher $1,000 deductibles will pay $160 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,296
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $306 annually
• Drivers who are prone to accidents and violations could pay around $2,818
• The cost for full coverage for a 16-year-old driver with full coverage can cost $4,988 a year

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on your driver profile, the trim level of your HR-V, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Where you live 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 be forced to pay as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $470 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost from 44% to 138% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Honda HR-V Insurance

Saving money on insurance for a Honda HR-V not only requires being a good driver, but also maintaining good credit, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to compare rates at least once a year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The following list is a brief review of the primary concepts that were presented in the illustrations above.

• Drivers can save around $160 per year just by shopping early and online
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,520 more per year than a safer driver
• Increasing deductibles can save around $475 each year
• Drivers age 16 to 20 are expensive to insure, costing as high as $416 per month for full coverage

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.