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 prices for a Honda HR-V are $1,296 every 12 months for full coverage. Comprehensive insurance costs an estimated $238, collision insurance costs $458, and liability insurance costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs $2,818 or more. Teenage drivers cost the most to insure at up to $4,988 a year.

Average premium for full coverage: $1,296

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why everyone should compare rates for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Rate Information

The chart below shows average Honda HR-V insurance rates for other coverage scenarios.

• The best discount rate is $749
• Drivers who choose higher $1,000 deductibles will pay approximately $160 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,296
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $306 a year
• High risk drivers who are prone to accidents and violations could pay up to $2,818
• Policy cost to insure a teen driver for full coverage can cost as much as $4,988 a year

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Using high physical damage deductibles could save up to $470 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,600 to $2,200 extra every year, depending on your age. Honda HR-V insurance for high-risk drivers can cost anywhere from 44% to 138% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Honda HR-V insurance rates. 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

How to Shop for the Right Honda HR-V Insurance

Finding cheaper rates on Honda HR-V insurance not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from several local insurance agents.

Below you'll find a quick rundown of the information covered above.

• Drivers can save approximately $160 per year just by quoting online well ahead of the renewal date
• Youthful drivers are charged the highest rates, costing up to $416 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• High-risk drivers with reckless driving or DUI convictions pay on average $1,520 more annually than a low-risk driver
• Drivers who want more liability protection will pay an extra $490 each year to go from a 30/60 limit to a 250/500 level

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.