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 including full coverage. Comprehensive insurance costs approximately $238 a year, collision insurance costs $458, and liability insurance costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs $2,818 or more. Teens pay the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Price estimates by individual coverage:

Rate estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why it is important to compare rates using their specific location, rather than relying on averaged prices.

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

Rate Comparisons

The chart below breaks down average Honda HR-V insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $749
• Drivers who choose higher $1,000 deductibles will pay $1,136 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,296
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $306 a year
• High risk drivers with serious driving violations could pay around $2,818
• The price that insures a teen driver can cost $4,988 a year

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on the trim level of your HR-V, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 138% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

The state you live in makes a big difference in Honda HR-V insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $470 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Honda HR-V Insurance

Getting lower rates on Honda HR-V insurance not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and possibly raising deductibles. Compare rates at least once a year by requesting rates from direct car insurance companies, and also from local auto insurance providers.

The following is a brief recap of the primary concepts that were covered above.

• You may be able to save around $160 per year just by quoting early and online
• High-risk drivers who tend to receive serious violations will likely pay on average $1,520 more per year for HR-V insurance
• Increasing physical damage deductibles can save approximately $475 each year
• Teens are expensive to insure, possibly costing $416 a month if full coverage is included

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.