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 on average $250, collision costs $474, and liability coverage costs around $430. Liability-only insurance costs as low as $486 a year, with high-risk driver insurance costing around $2,850. Teen drivers pay the highest rates at $5,012 a year or more.

Average premium for full coverage: $1,312

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both 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

Where you live has a large influence on car insurance rates. Rural areas have lower incidents of accident claims than larger metro areas.

The example below illustrates how rural and urban location affects car insurance rates.

The ranges above show why everyone should compare prices based on a specific location, rather than using price averages.

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

Rate Comparisons

The chart below shows estimated Honda HR-V insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $759
• Using higher $1,000 deductibles will save around $164 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,312
• Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,634
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,850 or more
• The price that insures a teenage driver for full coverage may cost $5,012 or more

View Chart as Image

Car insurance prices for a Honda HR-V are also quite variable based on the model of your HR-V, how you drive, and policy deductibles and limits.

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

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age

The state you live in has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see prices as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,870 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $490 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes may be quite different.

How to Find Cheap Honda HR-V Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, having a positive credit history, eliminating unnecessary coverage, and maximizing policy discounts. Shop around at every other renewal by requesting quotes from direct carriers, and also from local exclusive and independent agents.

Below is a brief summary of the concepts that were raised in the charts and tables above.

• Drivers that tend to have accidents or serious violations may pay on average $1,540 more each year for auto insurance
• Teenage drivers are expensive to insure, with premiums as much as $418 a month if full coverage is purchased
• Drivers can save as much as $160 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $475 each year
• Drivers can save as much as $160 per year simply by quoting online well ahead of the renewal date

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.