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.

Estimated auto insurance rates for a Honda HR-V are $1,296 annually with full coverage. Comprehensive insurance costs on average $238 a year, collision insurance costs $458, and liability costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs $2,818 or more. Teen drivers pay the most at up to $4,988 a year.

Average premium for full coverage: $1,296

Premium estimates by type of coverage:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences demonstrate why it is important to compare rates based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below details average 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 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,296
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $306 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,818
• An auto insurance policy with full coverage for a 16-year-old driver may cost $4,988 a year

View Chart as Image

Auto insurance prices for a Honda HR-V also have a wide range based on the model of your HR-V, your driving record, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 138% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $470 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy Cheaper Honda HR-V Insurance

Finding better rates on insurance for a Honda HR-V not only requires being a low-risk driver, but also having above-average credit, being claim-free, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by quoting rates from direct companies, and also from local independent and exclusive agents.

The items below are a condensed summary of the information covered above.

• You may be able to save as much as $160 per year just by quoting early and online
• Teen drivers are charged the highest prices, possibly costing $416 per month if full coverage is included
• Increasing policy deductibles could save up to $475 each year
• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,520 more each year to insure their HR-V
• Insureds who require more liability coverage will pay about $490 every year to go from 30/60 bodily injury limits to higher 250/500 limits

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.