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.

Estimated auto insurance rates for a Honda HR-V are $1,296 annually including full coverage. Comprehensive insurance costs an estimated $238, collision costs $458, and liability costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $2,818 or more. Teen drivers pay the most at $4,988 a year or more.

Average premium for full coverage: $1,296

Premium estimates broken down by type of coverage:

Includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location impacts insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $749
• Drivers who choose higher $1,000 deductibles will pay approximately $160 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,296
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $306 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,818 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $4,988 a year

View Chart as Image

Insurance prices for a Honda HR-V also have a wide range based on the model of your HR-V, your driving characteristics, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can cost as much as 44% to 138% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $470 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Every company uses a different rate calculation, so the prices will be substantially different between companies.

How to Buy the Cheapest Honda HR-V Insurance

Finding better rates on car insurance not only requires being a good driver, but also having a good credit history, refrain from filing small claims, and taking advantage of discounts. Spend time shopping around every year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a recap of the coverage data touched on above.

• You may be able to save approximately $160 per year simply by shopping early and online
• Increasing policy deductibles could save up to $475 each year
• Drivers age 16 to 20 are charged the highest prices, with the cost nearing $416 per month including comprehensive and collision insurance
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,520 more annually than a safer 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.