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 $1,312 a year with full coverage. Comprehensive costs an estimated $250 a year, collision costs $474, and liability coverage is estimated at $430. Liability-only coverage costs approximately $486 a year, with high-risk coverage costing around $2,850. Teen drivers receive the highest rates at $5,012 a year or more.

Average premium for full coverage: $1,312

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. More rural locations tend to have lower incidents of collision claims than larger metro areas.

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

These examples demonstrate why it is important to get quotes for a targeted area, rather than using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $759
• Choosing higher $1,000 deductibles can save approximately $1,148 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,312
• Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $1,634
• Drivers with multiple violations and an at-fault accident could pay up to $2,850 or more
• The cost that insures a teenage driver can cost as much as $5,012 each year

View Chart as Image

Car insurance rates for a Honda HR-V can also vary considerably based on the trim level of your HR-V, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 136% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $5,000 a year. View Rates by Age

Where you 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 $950 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $490 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out which company is cheapest is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different.

How to Find Cheaper Honda HR-V Insurance

Saving money on auto insurance takes being safe and accident-free, having a positive credit history, eliminating unnecessary coverage, and not having any coverage lapses. Shop around every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a condensed summary of the information touched on in this article.

• You may be able to save approximately $160 per year simply by quoting early and online
• Youthful drivers have the highest car insurance rates, with premiums as much as $418 per month if full coverage is purchased
• Increasing deductibles can save approximately $475 each year
• Drivers with multiple at-fault accidents could be forced to pay on average $1,540 more annually than a low-risk driver
• Consumers who want more liability protection will pay about $470 every year to raise limits from a minimum limit to the 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.