1. Vehicles
  2. Honda
  3. HR-V
  4. 2020 Model Year

2020 Honda HR-V Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Apr 9, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2020 Honda HR-V are $1,340 a year for full coverage insurance. Comprehensive costs approximately $280 each year, collision insurance costs $512, and liability insurance costs $390. Buying a liability-only policy costs as little as $452 a year, and high-risk insurance costs around $2,896. Teenage drivers receive the highest rates at up to $5,012 a year.

Annual premium for full coverage: $1,340

Rate estimates for 2020 Honda HR-V Insurance

Comprehensive $280
Collision $512
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2020 Honda HR-V models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $452 for the bare minimum liability coverage to a high rate of $2,896 for high-risk insurance.

Liability Only $452
Full Coverage $1,340
High Risk $2,896

View Chart as Image

2020 Honda HR-V insurance rates compared
Column chart showing 2020 Honda HR-V insurance prices range from $773 to $5,012 for full coverage

These differences illustrate why all drivers should compare rates using their specific location and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2020 Honda HR-V Insurance

Searching Companies

Searching for the cheapest insurance rates? Consumers have lots of choices when looking for the best price on Honda HR-V insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to find the lowest rates.

There are both good and bad ways to buy insurance so you’re going to learn the best way to price shop coverage for your Honda and locate the lowest price either online or from local insurance agents.

It’s smart to price shop coverage yearly because insurance prices are constantly changing. Even if you think you had the best deal on HR-V coverage at your last renewal you may be paying too much now. Block out anything you think you know about insurance because we’re going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

The best way to get rate comparisons takes advantage of the fact almost all companies participate in online systems to provide you with free rate quotes. To begin a comparison, all you need to do is give them rating details including distance driven, any included safety features, how you use your vehicles, and your education level. That rating information gets transmitted to all major companies and they return quotes with very little delay.

The auto insurance bait and switch

Drivers can’t ignore all the ads for auto insurance savings by GEICO, State Farm and Progressive. They all advertise the message about savings just by moving to them.

How does every auto insurance company claim to save you money? Here is the trick they use.

Most companies are able to cherry pick for the type of customer they prefer to insure. For instance, a profitable insured could be over the age of 40, carries high limits, and has a high credit rating. Someone who meets those qualifications receives the best car insurance rates and have a good chance to save money with a new company.

Potential customers who are not a match for these stringent criteria will get higher premium rates and this results in the prospect going elsewhere. If you listen closely, the ads state “customers who switch” but not “all drivers who get quotes” save that much when switching. That’s the way companies can truthfully make those statements.

Because of the profiling, drivers must compare rate quotes every year. Because you cannot predict with any certainty which company will provide the lowest car insurance rates.

Affordable auto insurance rates with discounts

Auto insurance is expensive, but you may be missing some discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at quote time, but some must be asked for before you get the savings.

  • Active Service Discounts – Having an actively deployed family member could mean lower premium rates.
  • College Student – Older children who are enrolled in higher education away from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Own a Home – Just owning your own home may trigger a policy discount on auto insurance since home ownership requires personal responsibility.
  • Senior Discount – Mature drivers may receive reduced rates on HR-V coverage.
  • Low Mileage Discounts – Fewer annual miles on your Honda could earn discounted auto insurancerates on garaged vehicles.
  • Sign Early and Save – A few insurance companies give discounts for switching companies before your current expiration date. This discount can save up to 10%.
  • Driver Training Discounts – Taking a class that teaches safe driver techniques could earn you a small percentage discount if your company offers it.

A quick disclaimer, many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

A few of the larger companies and a partial list of their discounts are:

  • Farm Bureau may offer discounts for youthful driver, multi-vehicle, safe driver, driver training, multi-policy, and 55 and retired.
  • Liberty Mutual offers discounts for exclusive group savings, good student, new move discount, newly retired, new vehicle discount, teen driver discount, and new graduate.
  • State Farm may have discounts that include Drive Safe & Save, accident-free, multiple autos, multiple policy, good driver, passive restraint, and good student.
  • Auto-Owners Insurance may include discounts for safe driver, paid in full, teen driver, anti-lock brakes, student away at school, and paperless.
  • GEICO policyholders can earn discounts including daytime running lights, emergency military deployment, membership and employees, anti-theft, defensive driver, and multi-policy.
  • SAFECO includes discounts for anti-theft, drive less, accident prevention training, homeowner, anti-lock brakes, and teen safety rewards.

Double check with each company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered in your area. If you would like to see a list of auto insurance companies that have a full spectrum of discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When buying proper insurance coverage, there is no single plan that fits everyone. Each situation is unique.

For instance, these questions can aid in determining whether you might need an agent’s assistance.

  • Am I covered if hit by an uninsured driver?
  • Am I covered when delivering products for my home-based business?
  • Does my liability insurance cover pulling a trailer or camper?
  • When would I need rental car insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Can I get a multi-policy discount?
  • Why am I required to buy liability insurance?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out your zip code. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages

Knowing the specifics of your insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Honda HR-V.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like EMT expenses, prosthetic devices, surgery, nursing services and X-ray expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, vandalism, theft and rock chips in glass. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability – Liability insurance will cover damages or injuries you inflict on a person or their property. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as court costs, bail bonds, repair bills for other people’s vehicles, medical services and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – Collision coverage pays for damage to your HR-V resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Final considerations

Insureds change insurance companies for a variety of reasons including being labeled a high risk driver, denial of a claim, unfair underwriting practices and even poor customer service. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage for the lowest price while not skimping on critical coverages.

Some car insurance companies may not provide the ability to get quotes online and most of the time these regional insurance providers only sell through independent agents. Affordable 2020 Honda HR-V insurance is possible both online and with local insurance agents, so you should compare both to get a complete price analysis.

Additional car insurance information can be found below:

Rates by U.S. City

2020 Honda HR-V Insurance Rates by City
City Premium
New York City, NY $2,118
Los Angeles, CA $2,289
Philadelphia, PA $1,792
Jacksonville, FL $1,944
Phoenix, AZ $1,557
Chicago, IL $1,796
Houston, TX $2,101
Seattle, WA $1,303
Columbus, OH $1,120
Indianapolis, IN $1,141

Rates by Driver Age

2020 Honda HR-V Insurance Rates by Driver Age
Driver Age Premium
16 $5,012
20 $3,094
30 $1,396
40 $1,340
50 $1,224
60 $1,200

Full coverage, $500 deductibles

Rates by Deductible

2020 Honda HR-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,688
$250 $1,528
$500 $1,340
$1,000 $1,160

Full coverage, driver age 40

Rates by Liability Limit

Honda HR-V Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,340
50/100 $1,418
100/300 $1,516
250/500 $1,769
100 CSL $1,457
300 CSL $1,672
500 CSL $1,828

Full coverage, driver age 40

Rates for High Risk Drivers

2020 Honda HR-V Insurance Rates for High Risk Drivers
Age Premium
16 $7,144
20 $4,922
30 $2,958
40 $2,896
50 $2,764
60 $2,740

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $186

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $98
5-yr Claim Free $86
Paid in Full/EFT $61
Advance Quote $66
Online Quote $95
Total Discounts $567
Rate after discounts $773

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2020 Honda HR-V Insurance Rates by State
State Premium
Alabama $1,212
Alaska $1,028
Arizona $1,112
Arkansas $1,340
California $1,526
Colorado $1,280
Connecticut $1,378
Delaware $1,518
Florida $1,676
Georgia $1,238
Hawaii $962
Idaho $906
Illinois $998
Indiana $1,010
Iowa $906
Kansas $1,274
Kentucky $1,828
Louisiana $1,984
Maine $828
Maryland $1,106
Massachusetts $1,072
Michigan $2,330
Minnesota $1,120
Mississippi $1,604
Missouri $1,190
Montana $1,440
Nebraska $1,058
Nevada $1,606
New Hampshire $964
New Jersey $1,500
New Mexico $1,186
New York $1,412
North Carolina $772
North Dakota $1,098
Ohio $926
Oklahoma $1,376
Oregon $1,228
Pennsylvania $1,280
Rhode Island $1,788
South Carolina $1,214
South Dakota $1,130
Tennessee $1,176
Texas $1,616
Utah $992
Vermont $918
Virginia $802
Washington $1,034
West Virginia $1,228
Wisconsin $928
Wyoming $1,196

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles