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.

The average insurance rates for a Honda HR-V are $1,296 a year including full coverage. Comprehensive insurance costs around $238 each year, collision insurance costs $458, and liability is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $2,818 or more. Teens cost the most to insure at up to $4,988 a year.

Average premium for full coverage: $1,296

Policy rates for type of insurance:

Estimates include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.

The examples above highlight why all drivers should get quotes for a specific zip code and risk profile, instead of using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $749
• Choosing higher $1,000 deductibles can save about $160 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,296
• Selecting low deductibles for comp and collision coverage will cost an extra $306 every year
• Unlucky drivers with serious driving violations could pay at least $2,818
• Policy cost for full coverage for a teen driver can be $4,988 each year

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on your risk profile, the model of your HR-V, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $4,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 138% more than the average policy. View High Risk Driver Rates

How to Find Low Cost Honda HR-V Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, maintaining good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to compare rates once a year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a review of the data that was presented in the illustrations above.

• You may be able to save up to $160 per year just by quoting online in advance
• Policyholders who may need higher liability limits will pay approximately $490 per year to raise limits from a 30/60 limit to 250/500 limits
• Teens pay higher rates, with premiums being up to $416 each month for full coverage
• Higher risk drivers who have several accidents or serious violations pay on average $1,520 more every year for HR-V 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.