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 $1,312 every 12 months with full coverage. Comprehensive insurance costs on average $250 each year, collision insurance costs $474, and liability costs $430. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs $2,850 or more. 16-year-old drivers pay the most at up to $5,012 a year.

Average premium for full coverage: $1,312

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and HR-V models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than congested cities. The graphic below illustrates how location helps determine car insurance rates.

These rate differences demonstrate why all drivers should compare rates based on a specific location and their own driving history, instead of using rate averages.

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

Rate Comparisons

The chart below details average Honda HR-V insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $759
• Drivers who choose higher $1,000 deductibles will pay around $164 annually
• The average price for a 40-year-old good driver with $500 deductibles is $1,312
• Buying low deductibles for comprehensive and collision insurance costs an extra $322 every year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,850
• An auto insurance policy to insure a teen driver may cost $5,012 a 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 of your HR-V.

Opting for high physical damage deductibles could save up to $490 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $387 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,000 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 a minimum $1,600 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 136% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for More Affordable Honda HR-V Insurance

Finding better rates on car insurance not only requires being a good driver, but also having above-average credit, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates once a year by quoting rates from direct companies, and also from local exclusive and independent agents.

The following list is a summary of the data that was covered in the charts and tables above.

• You may be able to save as much as $160 per year just by quoting online in advance
• Policyholders who require an increased level of liability coverage will pay around $470 every year to go from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 pay higher prices, possibly costing $418 per month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,540 more each year than a safer driver

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.