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 including full coverage. Comprehensive insurance costs an estimated $238 a year, collision costs $458, and liability costs around $442. Buying just liability costs as low as $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:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine insurance prices.

The examples above highlight why it is important to compare prices for a targeted area, instead of making a decision based on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $749
• Using higher $1,000 deductibles will save approximately $1,136 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,296
• Choosing low $100 deductibles for physical damage coverage will cost an additional $306 annually
• High-risk insureds 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 can cost as much as $4,988 or more

View Chart as Image

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

If you have a few points on your driving record or you caused 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 be from 44% to 138% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, 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 has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $470 annually, while buying higher liability limits will increase premiums. Changing 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 best way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied.

How to Find Cheaper Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Shop around at least every other year by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The points below are a condensed summary of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk with multiple at-fault accidents could be charged and average of $1,520 more annually to insure a Honda HR-V
• You may be able to save approximately $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Insureds who want increased liability limits will pay about $490 per year to increase 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.