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 auto insurance rates for a Honda HR-V are $1,296 annually for full coverage. Comprehensive costs approximately $238 each year, collision costs $458, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing around $2,818. Teen drivers pay the most at $4,988 a year or more.

Average premium for full coverage: $1,296

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all states and HR-V models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations are statistically proven to have fewer accident claims than larger metro areas.

The graphic below illustrates the difference location can make on auto insurance prices.

These rate differences show why all drivers should get quotes using their specific location and their own personal driving habits, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $749
• Choosing higher $1,000 deductibles can save $160 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,296
• Choosing low deductibles for comp and collision coverage will cost $1,602
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,818 or more
• An auto insurance policy with full coverage for a teen driver can cost $4,988 each year

View Chart as Image

Auto insurance prices for a Honda HR-V also have a wide range based on the model of your HR-V, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 138% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $470 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

Where you choose to 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 $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different between companies.

How to Buy the Best Honda HR-V Insurance

Finding better rates on car insurance takes being a low-risk driver, having above-average credit, not filing small claims, and not having any coverage lapses. Make time to compare rates every year by requesting quotes from direct carriers, and also from several local insurance agents.

The items below are a brief recap of the coverage data touched on in this article.

• Drivers can save around $160 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $475 each year
• Teen drivers have the highest car insurance prices, as much as $416 per month if full coverage is included
• Higher risk drivers who tend to receive serious violations pay on average $1,520 more per year to insure their HR-V

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.