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.

U.S. average insurance rates for a Honda HR-V are $1,312 a year including full coverage. Comprehensive insurance costs on average $250, collision insurance costs $474, and liability costs around $430. Liability-only coverage costs as low as $486 a year, and high-risk coverage costs $2,850 or more. Teen drivers pay the highest rates at up to $5,012 a year.

Average premium for full coverage: $1,312

Price estimates by individual coverage:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas. The price range example below illustrates the effect of geographic area on car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $759
• Using higher $1,000 deductibles will save around $164 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,312
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $322 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,850
• The price for full coverage for a 16-year-old driver with full coverage may cost $5,012 or more

View Chart as Image

Auto insurance prices for a Honda HR-V are also quite variable based on your driving record, the model of your HR-V, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $5,000 a year. View Rates by Age

The state you live in has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see prices as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,870 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut prices by as much as $490 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $387 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance can be from 44% to 136% more than average. View High Risk Driver Rates

How to Find the Right Honda HR-V Insurance

Getting lower rates on insurance for a Honda HR-V requires being safe and accident-free, having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the ideas that were covered in the above illustrations.

• Youthful drivers are charged the highest prices, possibly costing $418 a month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,540 more each year than a low-risk driver
• Increasing physical damage deductibles can save around $475 each year
• You may be able to save as much as $160 per year just by shopping early and online

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.