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 prices for a Honda HR-V are $1,312 every 12 months for full coverage insurance. Comprehensive costs around $250 each year, collision costs $474, and liability costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $2,850. Teenage drivers receive the highest rates at $5,012 a year or more.

Average premium for full coverage: $1,312

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why all drivers should compare rates for a specific zip code and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $759
• Drivers who choose higher $1,000 deductibles will pay about $164 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,312
• Using low deductibles for comprehensive and collision insurance increases the price to $1,634
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,850 or more
• The cost to insure a teen driver can be $5,012 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $490 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 136% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, so the rates can be significantly different.

How to Shop for Affordable Honda HR-V Insurance

Saving money on car insurance not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates every time your policy renews by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief review of the information covered above.

• It is possible to save up to $160 per year simply by quoting online in advance
• Youthful drivers pay higher rates, costing up to $418 per month if they have full coverage
• Increasing deductibles could save as much as $475 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,540 more every year than a low-risk driver
• Policyholders who may need more liability protection will pay an extra $470 annually to go from a minimum limit to a 250/500 level

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.