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 rates for a Honda HR-V are $1,296 a year including full coverage. Comprehensive costs around $238, collision costs $458, and liability costs $442. A policy with just liability insurance costs as little as $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 for individual coverage:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Honda HR-V insurance rates for additional coverage choices and driver risks.

• The best discount rate is $749
• Drivers who choose higher $1,000 deductibles will pay about $160 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,296
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,602
• Drivers who are prone to accidents and violations could pay at least $2,818 or more
• The price that insures a 16-year-old driver with full coverage can be $4,988 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at least $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost from 44% to 138% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,900 a year. View Rates by Age

The state you live in 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 Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $470 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to compare prices from multiple companies. Every company uses a different method to calculate prices, so the prices may be quite different.

How to Find Affordable Honda HR-V Insurance

Getting lower rates on insurance for a Honda HR-V not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and insuring your home and auto with the same company. Compare prices at every other renewal by requesting rates from direct car insurance companies, and also from local insurance agencies.

Below is a brief review of the concepts that were touched on in the above illustrations.

• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,520 more every year for auto insurance
• Teenage drivers pay higher prices, possibly costing $416 a month if full coverage is included
• You may be able to save up to $160 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $475 each year
• You may be able to save up to $160 per year simply by shopping early and online

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.