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

Average premium for full coverage: $1,296

Rate estimates for individual coverage type:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas.

The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $749
• Raising to $1,000 deductibles will save about $160 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,296
• Choosing more expensive low deductibles costs an additional $306 every year
• At-risk drivers with multiple violations and an at-fault accident could pay at least $2,818 or more
• The cost with full coverage for a teen driver with full coverage can be $4,988

View Chart as Image

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

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 138% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $470 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.

How to Buy the Right Honda HR-V Insurance

Saving money on car insurance consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at least every other year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a quick rundown of the car insurance concepts covered in the above illustrations.

• Higher risk drivers with reckless driving or DUI convictions pay on average $1,520 more every year than a low-risk driver
• It is possible to save up to $160 per year simply by shopping early and online
• Increasing deductibles could save up to $475 each year
• Policyholders who may need more liability protection will pay about $490 annually to raise from a minimum limit to higher 250/500 limits

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.