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 $1,262 a year with full coverage. Comprehensive insurance costs around $228 each year, collision costs $424, and liability insurance is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance costing $2,742 or more. 16-year-old drivers pay the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Price estimates for individual coverage:

Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and HR-V models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities.

The graphic below illustrates how location impacts auto insurance rates.

The ranges above demonstrate why all drivers should get quotes for a specific zip code, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below details estimated Honda HR-V insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $735
• Choosing higher $1,000 deductibles can save about $146 annually
• The estimated price for the average middle-age driver using $500 deductibles is $1,262
• Buying low deductibles for comp and collision coverage will cost an additional $288 a year
• High-risk insureds with multiple tickets or accidents could pay at least $2,742 or more
• The price that insures a teen driver can be $4,884 each year

View Chart as Image

Car insurance prices for a Honda HR-V are also quite variable based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $4,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda HR-V insurance rates. A good driver about age 40 could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or at least $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $440 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different.

How to Find Cheaper Honda HR-V Insurance

Getting lower rates on Honda HR-V insurance takes being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop at least once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

Below is a condensed summary of the primary concepts that were touched on above.

• You may be able to save up to $150 per year simply by quoting online in advance
• High-risk drivers with multiple at-fault accidents may pay on average $1,480 more every year for auto insurance
• Increasing physical damage deductibles can save approximately $425 each year
• Teenage drivers are the costliest to insure, costing up to $407 a month if full coverage is purchased

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.