Honda HR-V Insurance Rates
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UPDATED: Nov 23, 2019
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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.
Average insurance rates for a Honda HR-V are $1,296 a year for full coverage. Comprehensive costs on average $238 a year, collision costs $458, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,818. Teen drivers receive the highest rates at $4,988 a year or more.
Average premium for full coverage: $1,296
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and HR-V trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $2,818 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.
Insurance Rate Analysis
The chart below shows estimated Honda HR-V insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $749
- Drivers who choose higher $1,000 deductibles will pay around $1,136 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,296
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,602
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,818 or more
- The cost for full coverage for a teen driver may cost $4,988 a year
for a Honda HR-V can also vary considerably based on your driver profile, the trim level of your HR-V, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,900 a year. View Rates by Age
Where you live makes a big difference in Honda HR-V insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,850 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $470 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 138% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2018 Honda HR-V||$238||$458||$442||$1,296|
|2017 Honda HR-V||$228||$424||$452||$1,262|
|2016 Honda HR-V||$218||$400||$456||$1,232|
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 Cheaper Honda HR-V Insurance
Saving money on Honda HR-V insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $475 each year
- Drivers can save as much as $160 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $416 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,520 more each year for 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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$93|
|5-yr Claim Free||$84|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.
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