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 rates for a Honda HR-V are $1,312 a year for full coverage insurance. Comprehensive insurance costs approximately $250 each year, collision insurance costs $474, and liability coverage costs around $430. Buying just liability costs as low as $486 a year, and insurance for high-risk drivers costs $2,850 or more. Teens cost the most to insure at up to $5,012 a year.

Average premium for full coverage: $1,312

Policy rates by type of insurance:

Prices are based on $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $759
• Using higher $1,000 deductibles will save $164 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,312
• Selecting low deductibles for physical damage coverage will cost an additional $322 each year
• Higher-risk drivers with serious driving violations could pay around $2,850
• Policy cost that insures a teenage driver can cost $5,012 or more

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can be around 44% to 136% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $490 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit

How to Find Affordable Honda HR-V Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and possibly raising deductibles. Compare rates once a year by getting quotes from direct insurance companies, and also from your local car insurance providers.

The following is a brief review of the data that was presented in the illustrations above.

• It is possible to save around $160 per year just by quoting online in advance
• Consumers who purchase higher liability limits will pay approximately $470 annually to increase from a 30/60 limit to the 250/500 level
• Teens are expensive to insure, possibly costing $418 each month if full coverage is included
• Drivers with DUI or reckless driving convictions could be charged and average of $1,540 more per year for 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.

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.