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 rates for a Honda HR-V are $1,296 a year for full coverage insurance. Comprehensive insurance costs an estimated $238, collision costs $458, and liability coverage costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $2,818 or more. Teenage drivers cost the most to insure at $4,988 a year or more.

Average premium for full coverage: $1,296

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than 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
• Drivers who choose higher $1,000 deductibles will pay approximately $160 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,296
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $306 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,818 or more
• Policy cost for full coverage for a teenage driver with 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 your risk profile, the model year and trim level, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

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 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

Using high physical damage deductibles could save up to $470 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance can cost around 44% to 138% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.

How to Find Affordable Honda HR-V Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having a good credit history, being claim-free, and maximizing policy discounts. Invest time comparing rates at every other renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief review of the concepts that were covered in the charts and tables above.

• Drivers with DUI or reckless driving convictions pay on average $1,520 more annually than a low-risk driver
• Youthful drivers are expensive to insure, possibly costing $416 each month including comprehensive and collision insurance
• It is possible to save approximately $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $475 each year
• It is possible to save approximately $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.