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 prices for a Honda HR-V are $1,296 every 12 months for full coverage. Comprehensive insurance costs on average $238 each year, collision costs $458, and liability costs around $442. A policy with only liability insurance costs as low as $496 a year, with a high-risk policy 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 by type of coverage:

Prices include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and HR-V models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than larger metro areas.

The graphic below illustrates how geographic area affects car insurance rates.

These rate differences show why all drivers should compare prices based on a specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below shows 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 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,296
• Choosing low deductibles for physical damage coverage costs an extra $306 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,818 or more
• An auto insurance policy to insure a 16-year-old driver may cost $4,988 or more

View Chart as Image

Car insurance prices for a Honda HR-V also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your HR-V.

Choosing high deductibles could cut prices by as much as $470 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher 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 excellent drivers will be charged upwards of $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can be from 44% to 138% more than average. View High Risk Driver Rates

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 $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.

How to Shop for the Right Honda HR-V Insurance

Finding better rates on insurance for a Honda HR-V requires having a good driving record, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to compare rates once a year by getting quotes from direct carriers, and also from local independent and exclusive agents.

The next list is a quick rundown of the data that was presented in the illustrations above.

• Drivers can save as much as $160 per year simply by quoting online in advance
• Insureds who require increased levels of liability coverage will pay about $490 each year to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers age 20 and younger are expensive to insure, as much as $416 per month if the policy includes full coverage
• Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,520 more each year to buy Honda HR-V insurance

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.