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 insurance rates for a Honda HR-V are $1,296 a year with full coverage. Comprehensive costs on average $238, collision insurance costs $458, and liability is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs around $2,818. Teenage drivers pay the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Price estimates by individual coverage:

Estimates include $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all HR-V models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than densely populated cities. The example below illustrates how geographic area affects car insurance rates.

The ranges above demonstrate why everyone should compare rates quotes based on a specific location and risk profile, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $749
• Raising to $1,000 deductibles will save around $160 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,296
• Using pricier low deductibles will increase the cost to $1,602
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,818
• The price for full coverage for a teen driver for full coverage may cost $4,988

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,900 a year. View Rates by Age

The state you live in also has a big influence on Honda HR-V insurance prices. A middle-age driver might find prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $470 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra each year, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost as much as 44% to 138% more than a normal policy. View High Risk Driver Rates

How to Find Low Cost Honda HR-V Insurance

Getting lower rates on car insurance consists of having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates every couple of years by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

The next list is a review of the material that was presented in the illustrations above.

• Policyholders who require increased levels of liability coverage will pay an extra $490 every year to raise from a low limit to 250/500 limits
• Drivers age 20 and younger pay the highest prices, costing up to $416 a month for full coverage
• Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,520 more each year to buy Honda HR-V insurance
• Increasing physical damage deductibles can save around $475 each year

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.