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 rates for a Honda HR-V are $1,296 a year for full coverage insurance. Comprehensive insurance costs on average $238 a year, collision costs $458, and liability insurance costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing $2,818 or more. Teenage drivers pay the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

The ranges above illustrate why it is important to compare prices based on a specific location and risk profile, rather than relying on average rates.

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 different risk profiles and scenarios.

• The best discount rate is $749
• Using higher $1,000 deductibles will save around $1,136 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,296
• Using low $100 deductibles for physical damage coverage will cost an extra $306 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,818 or more
• The price for full coverage for a teen driver may cost $4,988 or more

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,900 a year. View Rates by Age

The state you live in has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see prices 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 prices by as much as $470 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 138% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different from one company to the next.

How to Find the Best Honda HR-V Insurance

Getting lower rates on Honda HR-V insurance requires avoiding accidents and claims, maintaining good credit, not filing small claims, and bundling your home and auto policies. Set aside time to shop around every time your policy renews by getting price quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a brief recap of the information raised in the charts and tables above.

• It is possible to save as much as $160 per year simply by quoting early and online
• Drivers under the age of 20 pay the highest prices, as much as $416 a month for full coverage
• Increasing physical damage deductibles can save around $475 each year
• High-risk drivers who tend to receive serious violations pay an average of $1,520 more each year to insure a Honda HR-V
• Drivers who require increased liability limits will pay an extra $490 annually to increase from a low limit to 250/500 limits

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.