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 for full coverage. Comprehensive costs approximately $250, collision insurance costs $474, and liability insurance costs $430. A policy with just liability insurance costs as little as $486 a year, and coverage for high-risk drivers costs around $2,850. Teenage drivers pay the highest rates at up to $5,012 a year.

Average premium for full coverage: $1,312

Price estimates by individual coverage:

Includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all HR-V models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance prices.

The ranges above show why everyone should compare rates using their specific location, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $759
• Drivers who choose higher $1,000 deductibles will pay $164 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,312
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,634
• High risk drivers who are prone to accidents and violations could pay around $2,850
• The price that insures a teen driver for full coverage can cost $5,012 a year

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on the model of your HR-V, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Honda HR-V insurance for high-risk drivers can cost anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age

The state you live in makes a big difference in Honda HR-V insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,870 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $490 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Honda HR-V Insurance

Getting lower rates on Honda HR-V insurance not only requires being safe and accident-free, but also having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices every couple of years by requesting quotes from direct carriers, and also from insurance agencies where you live.

Below you'll find a recap of the material that was covered in the above illustrations.

• Drivers who purchase more liability protection will pay an extra $470 each year to go from a low limit to the 250/500 level
• Youthful drivers are expensive to insure, with premiums as much as $418 a month if full coverage is included
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,540 more per year than a low-risk driver
• Increasing physical damage deductibles can save approximately $475 each year

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.