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 $1,296 a year with full coverage. Comprehensive insurance costs an estimated $238, collision insurance costs $458, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $2,818 or more. Teenage drivers receive the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.

These examples demonstrate why everyone should get quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below details average Honda HR-V insurance rates for other coverage scenarios.

• The best discount rate is $749
• Choosing higher $1,000 deductibles can save approximately $160 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,296
• Using pricier low deductibles for comp and collision coverage will cost an extra $306 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,818
• The cost for full coverage for a 16-year-old driver for full coverage can cost as much as $4,988 each year

View Chart as Image

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

A more mature driver with no driving violations and high deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $470 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,600 to $2,200 extra per year, depending on your age. Honda HR-V insurance for high-risk drivers ranges from 44% to 138% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Honda HR-V Insurance

Saving money on insurance for a Honda HR-V takes being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Make time to compare rates at least once a year by getting rate quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a brief review of the primary concepts that were touched on in this article.

• You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,520 more annually than a low-risk driver
• Increasing deductibles can save around $475 each year
• Youthful drivers have the highest car insurance rates, with premiums as much as $416 per month if full coverage is included

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.