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 $1,296 every 12 months with full coverage. Comprehensive costs around $238, collision insurance costs $458, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs around $2,818. Teenage drivers pay the most at up to $4,988 a year.

Average premium for full coverage: $1,296

Premium estimates for type of coverage:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all HR-V models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than densely populated cities. The example below illustrates how location impacts auto insurance rates.

These rate differences demonstrate why everyone should get quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

Rate Comparisons

The chart below details average Honda HR-V insurance rates for additional coverage choices and driver risks.

• The best discount rate is $749
• Choosing higher $1,000 deductibles can save about $160 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,296
• Using pricier low deductibles for comp and collision coverage increases the price to $1,602
• High-risk insureds who are prone to accidents and violations could pay at least $2,818
• An auto insurance policy to insure a teen driver for full coverage can be $4,988 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 record, and the trim level and model year.

Using high physical damage deductibles can save as much as $470 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

A more mature driver 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 as much as $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 extra annually, depending on your age. Honda HR-V insurance for high-risk drivers ranges anywhere from 44% to 138% 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 $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Cheaper Honda HR-V Insurance

Finding better rates on Honda HR-V insurance takes being a low-risk driver, having good credit, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around at least once a year by getting quotes from direct companies, and also from several local insurance agents.

The items below are a condensed summary of the primary concepts that were touched on above.

• You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
• High-risk drivers with multiple at-fault accidents pay on average $1,520 more every year to insure their HR-V
• Increasing policy deductibles could save as much as $475 each year
• Teen drivers pay higher prices, possibly costing $416 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.