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 insurance rates for a Honda HR-V are $1,312 a year for full coverage insurance. Comprehensive insurance costs approximately $250, collision insurance costs $474, and liability is $430. A policy with just liability insurance costs around $486 a year, and coverage for high-risk drivers costs $2,850 or more. Teenage drivers receive the highest rates at up to $5,012 a year.

Average premium for full coverage: $1,312

Rate estimates by individual coverage type:

Rates are based on $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

These examples illustrate why everyone should compare rates quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below illustrates average Honda HR-V insurance rates for additional coverage and risk scenarios.

• The best discount rate is $759
• Raising to $1,000 deductibles will save $164 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,312
• Using pricier low deductibles will cost an extra $322 annually
• Drivers who are prone to accidents and violations could pay around $2,850
• The cost for full coverage for a 16-year-old driver for full coverage can cost $5,012

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

Where you live also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $490 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $387 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 additional per year, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Honda HR-V Insurance

Saving money on insurance for a Honda HR-V consists of not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following is a quick review of the data touched on in this article.

• Insureds who purchase higher liability limits will pay an extra $470 annually to raise from a minimum limit to 250/500 limits
• It is possible to save around $160 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $475 each year
• Teens are the costliest to insure, costing up to $418 per month including comprehensive and collision insurance

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.