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 insurance rates for a Honda HR-V are $1,312 a year including full coverage. Comprehensive costs around $250 a year, collision insurance costs $474, and liability is estimated at $430. A liability-only policy costs approximately $486 a year, and high-risk insurance costs around $2,850. Teen drivers pay the most at up to $5,012 a year.

Average premium for full coverage: $1,312

Premium estimates for type of coverage:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance rates.

These rate differences highlight why it is important to get quotes for a specific zip code and risk profile, instead of using price averages.

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

Additional Rate Analysis

The chart below breaks down average Honda HR-V insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $759
• Choosing higher $1,000 deductibles can save about $1,148 every year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,312
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,634
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,850
• An auto insurance policy for full coverage for a teen driver can be $5,012 each year

View Chart as Image

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

Older drivers with a good driving record and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,870 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $490 every year, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $387 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 136% more than average. View High Risk Driver Rates

How to Find the Best Cheap Honda HR-V Insurance

Finding better rates on car insurance takes avoiding accidents and violations, having good credit, refrain from filing small claims, and possibly raising deductibles. Invest the time to compare rates every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a quick review of the information presented in the illustrations above.

• You may be able to save up to $160 per year just by quoting early and online
• Teenagers are expensive to insure, with the cost nearing $418 per month if they have full coverage
• Increasing policy deductibles can save around $475 each year
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,540 more every year for car insurance
• Policyholders who may need higher liability limits will pay about $470 per year to raise limits from 30/60 bodily injury limits to 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.