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 for full coverage insurance. Comprehensive insurance costs approximately $250, collision insurance costs $474, and liability coverage is $430. A liability-only policy costs around $486 a year, and high-risk insurance costs $2,850 or more. Teen drivers pay the most at up to $5,012 a year.

Average premium for full coverage: $1,312

Premium estimates by type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas. The example below illustrates how location impacts auto insurance prices.

These rate differences illustrate why everyone should compare rates quotes using their specific location and their own driving history, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $759
• Raising to $1,000 deductibles will save $164 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,312
• Choosing pricier low deductibles costs an extra $322 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,850
• An auto insurance policy to insure a teenage driver for full coverage can cost $5,012

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

Choosing high deductibles can reduce prices by up to $490 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $387 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost around 44% to 136% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Honda HR-V insurance rates. A middle-age driver might find prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,770 on average in Florida, New York, and Michigan.

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How to Shop for Affordable Honda HR-V Insurance

Finding better rates on auto insurance consists of being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Spend time shopping around every time your policy renews by getting rate quotes from direct insurance companies, and also from local insurance agencies.

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

• It is possible to save around $160 per year just by quoting online well ahead of the renewal date
• Youthful drivers have the highest car insurance prices, with premiums being up to $418 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save as much as $475 each year
• Drivers with DUI or reckless driving convictions may have to pay on average $1,540 more per year than a low-risk driver
• Consumers who purchase more liability protection will pay about $470 annually to raise from 30/60 bodily injury limits 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.