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 prices for a Honda HR-V are $1,296 every 12 months for full coverage insurance. Comprehensive costs an estimated $238 each year, collision costs $458, and liability is $442. A policy with just liability insurance costs around $496 a year, with coverage for high-risk drivers costing around $2,818. Teenage drivers pay the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Price estimates broken down by individual coverage:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and HR-V models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how your location can change insurance prices.

The ranges above illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $749
• Raising to $1,000 deductibles will save approximately $160 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,296
• Using low deductibles increases the price to $1,602
• At-risk drivers who are prone to accidents and violations could pay up to $2,818 or more
• The price to insure a teen driver can cost as much as $4,988

View Chart as Image

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

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

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,600 to $2,200 extra each year, depending on your age. 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

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 $850 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different.

How to Shop for the Cheapest Honda HR-V Insurance

Getting lower rates on car insurance consists of having a decent driving record, having good credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a recap of the concepts that were illustrated above.

• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,520 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are charged the highest prices, as much as $416 a month if they have full coverage
• It is possible to save approximately $160 per year simply by quoting online in advance
• Increasing physical damage deductibles could save as much as $475 each year
• It is possible to save approximately $160 per year simply by quoting online in advance

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.