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.

Average auto insurance rates for a Honda HR-V are $1,296 annually for full coverage insurance. Comprehensive costs an estimated $238 each year, collision costs $458, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $2,818. Teen drivers receive the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Rate estimates broken down by individual coverage type:

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $749
• Raising to $1,000 deductibles will save approximately $160 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,296
• Choosing low deductibles will cost $1,602
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,818 or more
• The cost with full coverage for a teen driver can cost as much as $4,988

View Chart as Image

Car insurance rates for a Honda HR-V can also vary considerably based on the trim level of your HR-V, your risk profile, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 138% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $470 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Honda HR-V insurance rates. A middle-age driver might find rates as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.

How to Buy Cheap Honda HR-V Insurance

Saving money on Honda HR-V insurance consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at least every other year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a brief summary of the car insurance concepts covered above.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,520 more annually to buy Honda HR-V insurance
• It is possible to save approximately $160 per year simply by quoting online in advance
• Increasing deductibles could save up to $475 each year
• Drivers who want increased levels of liability coverage will pay about $490 annually to raise from a minimum limit to higher 250/500 limits

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.