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 for full coverage insurance. Comprehensive insurance costs approximately $238, collision costs $458, and liability coverage is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance 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 by type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas.

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

The examples above illustrate why everyone should 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 Details

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

• The lowest rate with discounts is $749
• Raising to $1,000 deductibles will save $160 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,296
• Choosing pricier low deductibles costs an extra $306 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,818 or more
• Policy cost to insure a teenage driver for 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 risk profile, and the model of your HR-V.

Choosing high deductibles can reduce rates by up to $470 a year, whereas buying more liability protection will push rates upward. Switching 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

A more mature driver with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest 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 are probably paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost around 44% to 138% more than average. View High Risk Driver Rates

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

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted rates will be varied.

How to Shop for Affordable Honda HR-V Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having a good credit score, being claim-free, and not having any coverage lapses. Take the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a brief review of the information covered in the above illustrations.

• It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
• Youthful drivers have the highest car insurance rates, possibly costing $416 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Drivers with DUI or reckless driving convictions may have to pay on average $1,520 more per year than a low-risk driver
• Consumers who purchase more liability protection will pay about $490 annually to raise from a 30/60 limit to a 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.