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.

U.S. average insurance prices for a Honda HR-V are $1,312 every 12 months including full coverage. Comprehensive costs approximately $250 a year, collision costs $474, and liability coverage is $430. Liability-only coverage costs around $486 a year, with high-risk coverage costing around $2,850. Teen drivers pay the highest rates at $5,012 a year or more.

Average premium for full coverage: $1,312

Price estimates by individual coverage:

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance prices.

The ranges above highlight why it is important to compare rates quotes using their specific location and their own driving history, rather than using price averages.

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 additional coverage and risk scenarios.

• The lowest rate with discounts is $759
• Raising to $1,000 deductibles will save $1,148 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,312
• Choosing low $100 deductibles increases the price to $1,634
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,850 or more
• The price to insure a teenage driver can cost $5,012

View Chart as Image

Auto insurance prices for a Honda HR-V are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your HR-V.

Choosing high deductibles can reduce prices by up to $490 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 136% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Honda HR-V insurance rates. A middle-age driver might find prices as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,870 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different.

How to Shop for Cheap Honda HR-V Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having a good credit score, being claim-free, and not having any coverage lapses. Spend time shopping around every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The items below are a brief summary of the ideas that were touched on above.

• Teen drivers have the highest car insurance prices, possibly costing $418 a month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations could be charged and average of $1,540 more per year to insure their HR-V
• Increasing physical damage deductibles could save as much as $475 each year
• You may be able to save around $160 per year simply by quoting early and online

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.