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 $1,296 every 12 months including full coverage. Comprehensive insurance costs on average $238, collision costs $458, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing $2,818 or more. Teenage drivers receive the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on car insurance rates.

These examples highlight why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $749
• Choosing higher $1,000 deductibles can save around $160 every year
• The average price for a 40-year-old driver with $500 deductibles is $1,296
• Using more expensive low deductibles for comp and collision coverage costs an extra $306 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,818 or more
• The cost to insure a teen driver with full coverage may cost $4,988 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $470 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance ranges as much as 44% to 138% more than a normal policy. View High Risk Driver Rates

Where you 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 $990 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different.

How to Shop for Cheaper Honda HR-V Insurance

Saving money on car insurance takes avoiding accidents and claims, having good credit, not filing small claims, and bundling your home and auto policies. Make time to compare rates at least every other year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a condensed summary of the car insurance concepts touched on in this article.

• Higher risk drivers with multiple at-fault accidents may pay on average $1,520 more each year to insure a Honda HR-V
• You may be able to save as much as $160 per year simply by shopping early and online
• Increasing deductibles could save as much as $475 each year
• Policyholders who require increased liability limits will pay an extra $490 per year to raise limits from a minimum limit to a 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.