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.

The average insurance prices for a Honda HR-V are $1,262 every 12 months including full coverage. Comprehensive costs an estimated $228 a year, collision insurance costs $424, and liability is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs around $2,742. Teen drivers cost the most to insure at up to $4,884 a year.

Average premium for full coverage: $1,262

Policy rates broken down by type of insurance:

Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts insurance prices.

The examples above highlight why it is important to compare rates quotes for a targeted area and their own driving history, instead of using price averages.

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

Additional Rate Information

The chart below breaks down average Honda HR-V insurance rates for other coverage scenarios.

• The lowest rate with discounts is $735
• Raising to $1,000 deductibles will save approximately $1,116 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,262
• Choosing low $100 deductibles increases the price to $1,550
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,742
• Policy cost to insure a teen driver can cost as much as $4,884

View Chart as Image

Auto insurance rates for a Honda HR-V also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Choosing high deductibles can reduce rates by up to $440 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates

Your home state also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for More Affordable Honda HR-V Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Spend time shopping around once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a summary of the data that was touched on above.

• You may be able to save approximately $150 per year just by quoting early and online
• Policyholders who want higher levels of liability will pay about $500 per year to raise from a 30/60 limit to a 250/500 level
• Teenage drivers are the costliest to insure, with premiums being up to $407 each month if comprehensive and collision insurance is included
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,480 more annually for auto 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.

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.