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.

The average auto insurance rates for a Honda HR-V are $1,312 annually with full coverage. Comprehensive costs on average $250, collision costs $474, and liability costs around $430. Liability-only coverage costs as low as $486 a year, with high-risk coverage costing around $2,850. Teen drivers cost the most to insure at $5,012 a year or more.

Average premium for full coverage: $1,312

Policy rates by type of insurance:

Estimates include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have fewer collision claims than larger metro areas.

The price range example below illustrates how your location can change car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices 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 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 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,312
• Choosing more expensive low deductibles for physical damage coverage will cost $1,634
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,850 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage may cost $5,012 or more

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance can be from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $490 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $387 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see rates as low as $950 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied between companies.

How to Buy Low Cost Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V requires not taking risks behind the wheel, having good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around at every policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following is a review of the data illustrated above.

• Insureds who require higher liability limits will pay about $470 every year to increase from a 30/60 limit to higher 250/500 limits
• You may be able to save as much as $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Teens pay higher rates, as much as $418 each month if they have full coverage

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.