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 $1,296 a year with full coverage. Comprehensive insurance costs approximately $238 each year, collision costs $458, and liability insurance costs around $442. A policy with only liability insurance costs as low as $496 a year, with a high-risk policy costing $2,818 or more. Teenage drivers pay the most at $4,988 a year or more.

Average premium for full coverage: $1,296

Premium estimates by type of coverage:

Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and HR-V models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

These rate differences demonstrate why all drivers should compare prices using their specific location, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $749
• Using higher $1,000 deductibles will save $160 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,296
• Using low deductibles for physical damage coverage will cost an additional $306 a year
• Drivers who are prone to accidents and violations could pay around $2,818 or more
• An auto insurance policy that insures a teen driver can cost $4,988 or more

View Chart as Image

Car insurance prices for a Honda HR-V also have a wide range based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 138% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $470 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

How to Find the Cheapest Honda HR-V Insurance

Finding better rates on Honda HR-V insurance requires having a good driving record, having a positive credit history, being claim-free, and avoiding coverage lapses. Compare prices at every other renewal by getting rate quotes from direct companies, and also from local insurance agencies.

The next list is a recap of the concepts that were covered in the above illustrations.

• High-risk drivers that have major violations or accidents may have to pay on average $1,520 more per year to buy Honda HR-V insurance
• Drivers age 20 and younger pay the highest auto insurance prices, possibly costing $416 per month if full coverage is purchased
• You may be able to save around $160 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $475 each year
• You may be able to save around $160 per year simply by quoting online in advance

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.