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.

Average insurance prices for a Honda HR-V are $1,262 every 12 months for full coverage insurance. Comprehensive costs on average $228, collision costs $424, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,742. Teens receive the highest rates at $4,884 a year or more.

Average premium for full coverage: $1,262

Rate estimates by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location impacts car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $735
• Drivers who choose higher $1,000 deductibles will pay around $146 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,262
• Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,550
• High risk drivers with serious driving violations could pay upwards of $2,742 or more
• The cost to insure a teen driver with full coverage may cost $4,884 a year

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your HR-V.

Choosing higher comprehensive and collision insurance deductibles could save up to $440 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Honda HR-V insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every company calculates rates differently, so the rates can be significantly different.

How to Shop for the Best Honda HR-V Insurance

Saving money on Honda HR-V insurance not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Spend time shopping around at every other renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the concepts that were touched on above.

• High-risk drivers who tend to receive serious violations pay on average $1,480 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers pay the highest rates, costing up to $407 per month if they have full coverage
• It is possible to save as much as $150 per year simply by shopping early and online
• Increasing deductibles could save as much as $425 each year
• It is possible to save as much as $150 per year simply by shopping early and online

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.