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 insurance rates for a Honda HR-V are $1,296 a year with full coverage. Comprehensive costs on average $238, collision costs $458, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $2,818. Teen drivers pay the most at $4,988 a year or more.

Average premium for full coverage: $1,296

Premium estimates by type of coverage:

Includes $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than larger metro areas.

The price range example below illustrates how rural and urban location affects car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $749
• Using higher $1,000 deductibles will save around $160 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,296
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,602
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,818 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage may cost $4,988 or more

View Chart as Image

Insurance prices for a Honda HR-V also have a wide range based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance can be from 44% to 138% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $470 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from multiple companies. Each insurance company uses a different rate calculation, and prices will be substantially different.

How to Find the Cheapest Honda HR-V Insurance

Finding better rates on insurance for a Honda HR-V requires having a good driving record, having a good credit score, being claim-free, and insuring your home and auto with the same company. Shop around every time your policy renews by requesting rates from direct companies, and also from several local insurance agents.

The next list is a recap of the information raised in the charts and tables above.

• You may be able to save as much as $160 per year simply by shopping early and online
• Drivers age 20 and younger pay higher prices, possibly costing $416 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $475 each year
• Drivers considered higher risk that have major violations or accidents pay on average $1,520 more each year to buy Honda HR-V insurance
• Insureds who require increased levels of liability coverage will pay about $490 every year to increase from 30/60 bodily injury limits to the 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.