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 $1,312 a year including full coverage. Comprehensive insurance costs on average $250, collision insurance costs $474, and liability is estimated at $430. Buying just liability costs approximately $486 a year, and insurance for high-risk drivers costs $2,850 or more. Teen drivers cost the most to insure at up to $5,012 a year.

Average premium for full coverage: $1,312

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates the difference location can make on car insurance rates.

The examples above highlight why everyone should get quotes based on a specific location, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $759
• Choosing higher $1,000 deductibles can save around $164 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,312
• Choosing pricier low deductibles for comp and collision coverage will cost an additional $322 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,850
• Policy cost that insures a teen driver for full coverage may cost $5,012 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Honda HR-V insurance for high-risk drivers ranges as much as 44% to 136% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,000 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 $1,010 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,870 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $490 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit

How to Find More Affordable Honda HR-V Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Shop around every year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a summary of the coverage data touched on in this article.

• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Youthful drivers pay the highest rates, with premiums being up to $418 each month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,540 more each year than a low-risk driver

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.