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.

U.S. average insurance rates for a Honda HR-V are $1,296 a year for full coverage. Comprehensive costs approximately $238, collision costs $458, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing around $2,818. Teenage drivers pay the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Price estimates by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all HR-V models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities.

The example below illustrates how your location can change auto insurance prices.

The ranges above show why everyone should compare rates quotes using their specific location, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below shows estimated Honda HR-V insurance rates for additional coverage and risk scenarios.

• The best discount rate is $749
• Raising to $1,000 deductibles will save $160 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,296
• Using pricier low deductibles bumps up the cost to $1,602
• Drivers who are prone to accidents and violations could pay around $2,818 or more
• The price that insures a 16-year-old driver for full coverage can cost $4,988

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on the model of your HR-V, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,600 to $2,200 additional each year, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost from 44% to 138% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

The state you live in also has a big influence on Honda HR-V insurance prices. A middle-age driver might find prices as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $470 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices may be quite different.

How to Find Cheaper Honda HR-V Insurance

Getting lower rates on insurance for a Honda HR-V consists of avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices at least every other year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The list below is a condensed summary of the car insurance concepts illustrated above.

• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,520 more per year for car insurance
• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $475 each year
• Insureds who purchase higher liability limits will pay an extra $490 each year to raise from a low limit to the 250/500 level

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.