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.

The average insurance prices for a Honda HR-V are $1,296 every 12 months including full coverage. Comprehensive insurance costs an estimated $238 a year, collision costs $458, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing $2,818 or more. Teenage drivers cost the most to insure at $4,988 a year or more.

Average premium for full coverage: $1,296

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below breaks down estimated Honda HR-V insurance rates for other coverage scenarios.

• The best discount rate is $749
• Drivers who choose higher $1,000 deductibles will pay approximately $1,136 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,296
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $306 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,818 or more
• Policy cost to insure a teenage driver can cost as much as $4,988 a year

View Chart as Image

Car insurance rates for a Honda HR-V also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $470 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 138% more than a normal policy. View High Risk Driver Rates

Your home state 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 be forced to pay as much as $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied.

How to Shop for the Best Honda HR-V Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief recap of the data that was covered in the charts and tables above.

• You may be able to save approximately $160 per year simply by quoting early and online
• Consumers who want more liability protection will pay an extra $490 per year to go from a 30/60 limit to a 250/500 level
• Youthful drivers have the highest car insurance rates, with premiums being up to $416 each month if the policy includes full coverage
• Drivers who tend to receive serious violations may have to pay on average $1,520 more annually than a low-risk driver

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.