Honda HR-V Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 $1,262 a year with full coverage. Comprehensive costs on average $228, collision insurance costs $424, and liability coverage costs around $452. Liability-only insurance costs as low as $504 a year, and high-risk driver insurance costs around $2,742. Teen drivers pay the highest rates at up to $4,884 a year.

Average premium for full coverage: $1,262

Price estimates by individual coverage:

Comprehensive $228
Collision $424
Liability $452

These estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all HR-V models.

Price Range from Low to High

For a 40-year-old driver, Honda HR-V insurance prices range from as low as $504 for just liability coverage to the much higher price of $2,742 for a policy for a high-risk driver.

Liability Only $504
Full Coverage $1,262
High Risk $2,742

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas. The example below illustrates how your location can change car insurance rates.

Rural Areas $947
Small Cities $1,325
Large Cities $1,704

The ranges above demonstrate why everyone should compare prices based on a specific location and risk profile, rather than using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

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

  • The lowest rate with discounts is $735
  • Using higher $1,000 deductibles will save around $146 annually
  • The average rate for the average middle-age driver with $500 deductibles is $1,262
  • Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,550
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,742
  • The price for full coverage for a teenage driver for full coverage may cost $4,884 or more

View Chart as Image

Honda HR-V insurance cost comparison chart
Column chart showing Honda HR-V insurance rates range from $735 to $4,884 for full coverage

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

A more mature driver with no driving violations and high deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $4,800 a year. View Rates by Age

The state you live in has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see prices as low as $910 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,710 on average in Florida, Michigan, and New York.

Honda HR-V Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,142 -$120 -9.5%
Alaska $968 -$294 -23.3%
Arizona $1,048 -$214 -17.0%
Arkansas $1,262 -$0 0.0%
California $1,438 $176 13.9%
Colorado $1,206 -$56 -4.4%
Connecticut $1,298 $36 2.9%
Delaware $1,428 $166 13.2%
Florida $1,580 $318 25.2%
Georgia $1,164 -$98 -7.8%
Hawaii $906 -$356 -28.2%
Idaho $854 -$408 -32.3%
Illinois $940 -$322 -25.5%
Indiana $950 -$312 -24.7%
Iowa $850 -$412 -32.6%
Kansas $1,200 -$62 -4.9%
Kentucky $1,724 $462 36.6%
Louisiana $1,868 $606 48.0%
Maine $778 -$484 -38.4%
Maryland $1,040 -$222 -17.6%
Massachusetts $1,010 -$252 -20.0%
Michigan $2,194 $932 73.9%
Minnesota $1,056 -$206 -16.3%
Mississippi $1,512 $250 19.8%
Missouri $1,118 -$144 -11.4%
Montana $1,356 $94 7.4%
Nebraska $996 -$266 -21.1%
Nevada $1,516 $254 20.1%
New Hampshire $910 -$352 -27.9%
New Jersey $1,410 $148 11.7%
New Mexico $1,118 -$144 -11.4%
New York $1,328 $66 5.2%
North Carolina $728 -$534 -42.3%
North Dakota $1,034 -$228 -18.1%
Ohio $872 -$390 -30.9%
Oklahoma $1,296 $34 2.7%
Oregon $1,154 -$108 -8.6%
Pennsylvania $1,204 -$58 -4.6%
Rhode Island $1,684 $422 33.4%
South Carolina $1,142 -$120 -9.5%
South Dakota $1,064 -$198 -15.7%
Tennessee $1,106 -$156 -12.4%
Texas $1,522 $260 20.6%
Utah $934 -$328 -26.0%
Vermont $864 -$398 -31.5%
Virginia $754 -$508 -40.3%
Washington $976 -$286 -22.7%
West Virginia $1,158 -$104 -8.2%
Wisconsin $874 -$388 -30.7%
Wyoming $1,126 -$136 -10.8%

View Chart as Image

Honda HR-V insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $440 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. Honda HR-V insurance for high-risk drivers can be around 43% to 132% more than average. View High Risk Driver Rates

Honda HR-V Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Honda HR-V $228 $424 $452 $1,262
2017 Honda HR-V $218 $400 $456 $1,232
2016 Honda HR-V $210 $358 $460 $1,186

Rates are averaged for all Honda HR-V models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheap Honda HR-V Insurance

Getting lower rates on auto insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every year by requesting quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The next list is a brief summary of the coverage data illustrated above.

  • You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save around $425 each year
  • Drivers age 20 and younger are expensive to insure, costing up to $407 a month if full coverage is included
  • Drivers that tend to have accidents or serious violations may be required to pay an average of $1,480 more each year to buy Honda HR-V insurance

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.

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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:

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.

Rates by Driver Age

Honda HR-V Insurance Rates by Driver Age
Driver Age Premium
16 $4,884
20 $2,928
30 $1,304
40 $1,262
50 $1,156
60 $1,134

Full coverage, $500 deductibles

Rates by Deductible

Honda HR-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,550
$250 $1,416
$500 $1,262
$1,000 $1,116

Full coverage, driver age 40

Rates by Liability Limit

Honda HR-V Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,262
50/100 $1,352
100/300 $1,465
250/500 $1,759
100 CSL $1,398
300 CSL $1,646
500 CSL $1,827

Full coverage, driver age 40

Rates for High Risk Drivers

Honda HR-V Insurance Rates for High Risk Drivers
Age Premium
16 $6,946
20 $4,668
30 $2,788
40 $2,742
50 $2,620
60 $2,598

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $177

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $89
5-yr Claim Free $81
Paid in Full/EFT $54
Advance Quote $61
Online Quote $88
Total Discounts $527
Rate after discounts $735

Discounts are estimated and may not be available from every company or in every state.

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