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 $1,312 every 12 months including full coverage. Comprehensive costs an estimated $250 a year, collision costs $474, and liability insurance is estimated at $430. Liability-only coverage costs approximately $486 a year, with high-risk coverage costing around $2,850. Teenage drivers pay the most at $5,012 a year or more.

Average premium for full coverage: $1,312

Premium estimates broken down by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

These rate differences highlight why it is important to get quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $759
• Choosing higher $1,000 deductibles can save approximately $1,148 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,312
• Using low $100 deductibles for comp and collision coverage increases the price to $1,634
• High-risk insureds who are prone to accidents and violations could pay up to $2,850 or more
• An auto insurance policy to insure a teen driver can cost as much as $5,012 each year

View Chart as Image

Insurance prices for a Honda HR-V also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can save as much as $490 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $387 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Honda HR-V insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,870 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different.

How to Shop for the Best Honda HR-V Insurance

Finding better rates on Honda HR-V insurance takes avoiding accidents and violations, having good credit, refrain from filing small claims, and taking advantage of discounts. Invest the time to compare rates at every policy renewal by quoting rates from direct car insurance companies, and also from local insurance agencies.

The list below is a brief recap of the data presented in the illustrations above.

• Drivers who want higher liability limits will pay an extra $470 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
• You may be able to save approximately $160 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $475 each year
• Teenagers are charged the highest prices, with the cost nearing $418 per month if they have full coverage

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.