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

Average premium for full coverage: $1,312

Price estimates by individual coverage:

Includes $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all HR-V models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

The ranges above illustrate why everyone should compare prices using their specific location and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $759
• Using higher $1,000 deductibles will save $164 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,312
• Using pricier low deductibles for physical damage coverage will increase the cost to $1,634
• High-risk insureds who are prone to accidents and violations could pay around $2,850 or more
• The price for full coverage for a 16-year-old driver for full coverage can cost $5,012 or more

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age

The state you live in has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

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

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

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so the prices may be quite different from one company to the next.

How to Find the Cheapest Honda HR-V Insurance

Getting lower rates on insurance for a Honda HR-V requires being a good driver, maintaining good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a recap of the data that was presented in the illustrations above.

• It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
• Insureds who purchase an increased level of liability coverage will pay an extra $470 annually to increase from a low limit to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, as much as $418 a month for full coverage
• Drivers considered higher risk that have major violations or accidents may pay on average $1,540 more per year than a safer driver

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.