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 rates for a Honda HR-V are $1,296 a year for full coverage insurance. Comprehensive insurance costs an estimated $238, collision costs $458, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing $2,818 or more. Teen 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:

These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas.

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

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area, instead of making a decision based on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $749
• Choosing higher $1,000 deductibles can save approximately $160 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,296
• Choosing more expensive low deductibles for comp and collision coverage will cost an additional $306 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,818 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost as much as $4,988 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance ranges from 44% to 138% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $470 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, so the rates will be varied.

How to Find Cheap Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V takes being a low-risk driver, having above-average credit, being claim-free, and taking advantage of discounts. Shop around at least every other year by getting quotes from direct insurance companies, and also from local insurance agencies.

The items below are a brief summary of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,520 more annually to insure their HR-V
• It is possible to save approximately $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Insureds who want more liability coverage will pay about $490 annually to raise limits from a 30/60 limit to the 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.