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 with full coverage. Comprehensive costs approximately $238, collision insurance costs $458, and liability is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs around $2,818. Teenage drivers cost the most to insure at up to $4,988 a year.

Average premium for full coverage: $1,296

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $749
• Raising to $1,000 deductibles will save $160 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,296
• Using more expensive low deductibles increases the price to $1,602
• Drivers who are prone to accidents and violations could pay around $2,818
• Policy cost to insure a 16-year-old driver with full coverage can cost $4,988

View Chart as Image

Auto insurance rates for a Honda HR-V also range considerably based on liability limits and deductibles, your driving record, and the model of your HR-V.

Using high physical damage deductibles can reduce rates by up to $470 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $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 may be forking out anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 138% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates 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

How to Shop for Affordable Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V consists of avoiding accidents and claims, having a good credit score, not filing small claims, and possibly higher deductibles. Make time to compare rates every couple of years by getting rate quotes from direct companies, and also from insurance agencies where you live.

The points below are a brief review of the material that was touched on in this article.

• Insureds who purchase increased liability limits will pay an extra $490 every year to raise from a 30/60 limit to a 250/500 level
• Drivers under the age of 20 have the highest car insurance rates, as much as $416 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,520 more per year to insure a Honda HR-V
• Increasing comprehensive and collision deductibles could save as much as $475 each year

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.