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 costs $474, and liability costs $430. Liability-only coverage costs as little as $486 a year, with high-risk coverage costing around $2,850. Teen drivers pay the most at $5,012 a year or more.

Average premium for full coverage: $1,312

Premium estimates for type of coverage:

Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical 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

Your location can make a big difference 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 rural and urban location affects auto insurance rates.

These rate differences highlight why it is important to compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $759
• Drivers who choose higher $1,000 deductibles will pay 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 comprehensive and collision insurance will increase the cost to $1,634
• Drivers with multiple violations and an at-fault accident could pay at least $2,850 or more
• An auto insurance policy for full coverage for a 16-year-old driver can be $5,012 a year

View Chart as Image

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 clean driving record and high 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 good drivers can expect to pay as much as $5,000 a year. View Rates by Age

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 $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 could save up to $490 annually, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $387 more per 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 extra annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 136% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to figure out your exact price is to get quotes from multiple companies. Every company uses a different rate calculation, so the prices will be substantially different from one company to the next.

How to Find 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 maintaining good credit, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to shop around once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a condensed summary of the data that was raised in the charts and tables above.

• You may be able to save up to $160 per year simply by quoting early and online
• Insureds who may need more liability coverage will pay about $470 per year to go from 30/60 bodily injury limits to 250/500 limits
• Teen drivers pay higher prices, with the cost nearing $418 per month for full coverage
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,540 more every year to insure their HR-V

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.