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.

Average insurance rates for a Honda HR-V are $1,296 a year for full coverage insurance. Comprehensive costs around $238, 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 around $2,818. Teenage drivers receive the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Rate estimates for individual coverage type:

Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using average rates.

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

Rate Comparisons

The chart below illustrates estimated Honda HR-V insurance rates for additional coverage choices and driver risks.

• The best discount rate is $749
• Using higher $1,000 deductibles will save about $160 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,296
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,602
• Drivers who are prone to accidents and violations could pay at least $2,818 or more
• The cost for full coverage for a teen driver with full coverage can be $4,988 or more

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $4,900 a year. View Rates by Age

Where you live has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $470 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 44% to 138% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

How to Find the Best Cheap Honda HR-V Insurance

Saving money on car insurance requires being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below is a quick review of the ideas that were raised in the charts and tables above.

• Teenage drivers are expensive to insure, costing up to $416 per month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,520 more every year for auto insurance
• Increasing deductibles can save around $475 each year
• It is possible to save up to $160 per year simply by shopping 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.